Bell County, TX: Home-Insurance Distress & Forced-Sale Pressure
Bell County, TX: 65/100 (elevated) home-insurance distress; Bell, TX band MEDIUM; Bell, TX #766 of 3,222 counties; Bell, TX #82 of 254 in Texas.
FEMA hazard, Bell, TX: 52/100; Bell, TX declarations, three years: 2; Bell, TX perils: 2 flood; Bell, TX five-year count 2 (severity 3.0); Bell, TX ten-year 2; hazard-weighted, Bell, TX: 4.0.
Declared incidents on the Bell, TX record: 2024 Flood 3 (Bell, TX).
NFIP claims, Bell, TX, three years: 34; Bell, TX payouts $660,326; per Bell, TX claim $19,421; Bell, TX claim-stress 85/100.
Bell, TX monthly score fell, 69 (March 2026) to 65 (October 2026); Bell, TX by month: March 69, April 69, May 69, June 69 (Bell, TX), July 66, August 65, September 65, October 65.
Bell, TX components: climate 52, NFIP claims 85; Bell, TX retreat index 65.
Construction distress, Bell, TX: 63/100 as of August 2026 (Bell, TX: 63/100 one-to-four unit, 57/100 multifamily).
Bell, TX ZIPs, June 2026 (Bell, TX, 16 highest): score 0 (Bell, TX), climate 91 (Bell, TX): 76501, 76502, 76504, 76513, Bell, TX 76541, 76542, 76543, 76548, Bell, TX 76554, 76559, 76571; score 0 (Bell, TX), climate 90 (Bell, TX): 76527; score 0 (Bell, TX), climate 89 (Bell, TX): 76511, 76534, 76549; score 0 (Bell, TX), climate 87 (Bell, TX): 76557.
DLRadar rescores Bell, TX monthly; Bell, TX readings join Bell, TX foreclosure, lien and ownership parcels (Bell, TX), so cost-squeezed Bell, TX owners surface before listing.
Inside Texas, Bell County ranks 82nd of 254 counties for home-insurance distress at 65/100; Denton County (65/100) sits just above Bell County, and Mcculloch County (65/100) sits just below Bell County.
Deterministic. Every Bell County, TX signal traces to a public Bell dataset (FEMA, NFIP, Census for Bell, TX) · how insurance distress works in Bell, TX · methodology
FAQ: Bell County, TX insurance distress
What is the Bell County, TX home-insurance-distress score?
Bell, TX: 65/100 (MEDIUM), #766 of 3,222, #82 in Texas. FEMA hazard, Bell, TX: 52/100; NFIP stress, Bell, TX: 85/100; construction, Bell, TX: 63/100; Bell, TX rescores monthly.
Is Bell County insurance distress getting better or worse (TX)?
Bell, TX: 69 in March 2026; Bell, TX: 65 in October 2026 (better); Bell, TX climate component 52; Bell, TX NFIP claims score 85.
How many flood-insurance claims has Bell County, TX had?
Bell, TX: 34 NFIP claims, three years; Bell, TX paid $660,326; per Bell, TX claim $19,421; carriers reprice Bell, TX against that record.
Which Bell County ZIP codes carry the most insurance distress (TX)?
Bell, TX, June 2026: 76501 at 0, 76502 at 0, 76504 at 0, 76513 at 0; Bell, TX climate scores there: 91, 91, 91, 91.
Why does Bell, TX insurance distress create sellers?
A Bell, TX premium outruns the Bell, TX budget; a carrier leaves Bell, TX; Bell, TX carrying cost passes plan; Bell, TX owners sell while current; Bell, TX insurance distress leads Bell, TX foreclosure data.