Cherokee County, TX: Home-Insurance Distress & Forced-Sale Pressure
Cherokee County, TX: 76/100 (severe) home-insurance distress; Cherokee, TX band MEDIUM; Cherokee, TX #467 of 3,222 counties; Cherokee, TX #46 of 254 in Texas; raw Cherokee, TX 80.6.
FEMA hazard, Cherokee, TX: 84/100; Cherokee, TX declarations, three years: 6; Cherokee, TX perils: 2 hurricane, 2 flood; Cherokee, TX five-year count 4 (severity 6.0); Cherokee, TX ten-year 4; hazard-weighted, Cherokee, TX: 21.0.
Declared incidents on the Cherokee, TX record: 2024 Hurricane 2; 2024 Flood 2 (Cherokee, TX).
NFIP claims, Cherokee, TX, three years: 6; Cherokee, TX payouts $22,817; per Cherokee, TX claim $3,803; Cherokee, TX claim-stress 65/100.
Cherokee, TX monthly score held, 76 (March 2026) to 76 (October 2026); Cherokee, TX by month: March 76, April 76, May 80, June 80 (Cherokee, TX), July 78, August 80, September 78, October 76.
Cherokee, TX components: climate 83, NFIP claims 65; Cherokee, TX retreat index 76.
Construction distress, Cherokee, TX: 56/100 as of August 2026 (Cherokee, TX: 56/100 one-to-four unit, 12/100 multifamily).
Cherokee, TX ZIPs, June 2026 (Cherokee, TX, 12 highest): score 0 (Cherokee, TX), climate 67 (Cherokee, TX): 75789, 75969; score 0 (Cherokee, TX), climate 66 (Cherokee, TX): 75757; score 0 (Cherokee, TX), climate 59 (Cherokee, TX): 75759, 75764, 75766, 75780, Cherokee, TX 75785, 75925, 75976; score 0 (Cherokee, TX), climate 55 (Cherokee, TX): 75784; score 0 (Cherokee, TX), climate 52 (Cherokee, TX): 75654.
DLRadar rescores Cherokee, TX monthly; Cherokee, TX readings join Cherokee, TX foreclosure, lien and ownership parcels (Cherokee, TX), so cost-squeezed Cherokee, TX owners surface before listing.
Inside Texas, Cherokee County ranks 42nd of 254 counties for home-insurance distress at 76/100; Bexar County (76/100) sits just above Cherokee County, and Gregg County (76/100) sits just below Cherokee County.
Deterministic. Every Cherokee County, TX signal traces to a public Cherokee dataset (FEMA, NFIP, Census for Cherokee, TX) · how insurance distress works in Cherokee, TX · methodology
FAQ: Cherokee County, TX insurance distress
What is the Cherokee County, TX home-insurance-distress score?
Cherokee, TX: 76/100 (MEDIUM), #467 of 3,222, #46 in Texas. FEMA hazard, Cherokee, TX: 84/100; NFIP stress, Cherokee, TX: 65/100; construction, Cherokee, TX: 56/100; Cherokee, TX rescores monthly.
Is Cherokee County insurance distress getting better or worse (TX)?
Cherokee, TX: 76 in March 2026; Cherokee, TX: 76 in October 2026 (unchanged); Cherokee, TX climate component 83; Cherokee, TX NFIP claims score 65.
How many flood-insurance claims has Cherokee County, TX had?
Cherokee, TX: 6 NFIP claims, three years; Cherokee, TX paid $22,817; per Cherokee, TX claim $3,803; carriers reprice Cherokee, TX against that record.
Which Cherokee County ZIP codes carry the most insurance distress (TX)?
Cherokee, TX, June 2026: 75789 at 0, 75969 at 0, 75757 at 0, 75759 at 0; Cherokee, TX climate scores there: 67, 67, 66, 59.
Why does Cherokee, TX insurance distress create sellers?
A Cherokee, TX premium outruns the Cherokee, TX budget; a carrier leaves Cherokee, TX; Cherokee, TX carrying cost passes plan; Cherokee, TX owners sell while current; Cherokee, TX insurance distress leads Cherokee, TX foreclosure data.