Cameron County, TX: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Cameron County, Texas is currently severe — an insurance-distress score of 93/100, among the very highest in the country at #49 of the 3,222 U.S. counties DLRadar scores. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

Three years of NFIP activity in Cameron County comes to 1,188 claims worth $88,710,375, and that ledger is what carriers price against.

A #49 national standing means little alone; DLRadar pairs Cameron County's coverage stress with default and ownership data before calling a parcel distressed.

Behind the score sit a FEMA hazard score of 88/100; NFIP flood-claim stress of 99/100 over three years; 1 hurricane, 1 flood federal disaster declarations in three years, each a factor insurers weigh when they raise rates or exit a market.

Carriers here underwrite around hurricane above all else, since it dominates the county three-year declaration record.

Monthly rebuilds keep Cameron County honest: 93/100 reflects the renewal environment carriers are pricing right now.

With construction distress at 42/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.

Physical exposure at 88/100 and claim experience at 99/100 together mark Cameron County as a market where coverage, not the mortgage, forces the sale.

Read as a targeting input, 93/100 puts Cameron County #49 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.

The nationwide monthly build covers all 3,222 counties and connects Cameron County reading to real foreclosure, tax-lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.