Clay County, TX: Home-Insurance Distress & Forced-Sale Pressure
Clay County, TX: 53/100 (elevated) home-insurance distress; Clay, TX band MEDIUM; Clay, TX #1,031 of 3,222 counties; Clay, TX #101 of 254 in Texas.
FEMA hazard, Clay, TX: 52/100; Clay, TX declarations, three years: 2; Clay, TX perils: 2 flood; Clay, TX five-year count 2 (severity 3.0); Clay, TX ten-year 2; hazard-weighted, Clay, TX: 4.0.
Declared incidents on the Clay, TX record: 2024 Flood 2 (Clay, TX).
NFIP claims, Clay, TX, three years: 2; Clay, TX payouts $3,668; per Clay, TX claim $1,834; Clay, TX claim-stress 55/100.
Clay, TX monthly score fell, 59 (March 2026) to 53 (October 2026); Clay, TX by month: March 59, April 59, May 58, June 58 (Clay, TX), July 55, August 54, September 55, October 53.
Clay, TX components: climate 52, NFIP claims 55; Clay, TX retreat index 53.
Construction distress, Clay, TX: 89/100 as of August 2026 (Clay, TX: 87/100 one-to-four unit, 21/100 multifamily).
Clay, TX ZIPs, June 2026 (Clay, TX, 9 highest): score 0 (Clay, TX), climate 39 (Clay, TX): 76261; score 0 (Clay, TX), climate 38 (Clay, TX): 76230; score 0 (Clay, TX), climate 36 (Clay, TX): 76305; score 0 (Clay, TX), climate 29 (Clay, TX): 76310; score 0 (Clay, TX), climate 19 (Clay, TX): 76228; score 0 (Clay, TX), climate 15 (Clay, TX): 76357, 76365, 76377; score 0 (Clay, TX), climate 10 (Clay, TX): 76389.
DLRadar rescores Clay, TX monthly; Clay, TX readings join Clay, TX foreclosure, lien and ownership parcels (Clay, TX), so cost-squeezed Clay, TX owners surface before listing.
Inside Texas, Clay County ranks 101st of 254 counties for home-insurance distress at 53/100; Navarro County (53/100) sits just above Clay County, and Burleson County (50/100) sits just below Clay County.
Deterministic. Every Clay County, TX signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, TX) · how insurance distress works in Clay, TX · methodology
FAQ: Clay County, TX insurance distress
What is the Clay County, TX home-insurance-distress score?
Clay, TX: 53/100 (MEDIUM), #1,031 of 3,222, #101 in Texas. FEMA hazard, Clay, TX: 52/100; NFIP stress, Clay, TX: 55/100; construction, Clay, TX: 89/100; Clay, TX rescores monthly.
Is Clay County insurance distress getting better or worse (TX)?
Clay, TX: 59 in March 2026; Clay, TX: 53 in October 2026 (better); Clay, TX climate component 52; Clay, TX NFIP claims score 55.
How many flood-insurance claims has Clay County, TX had?
Clay, TX: 2 NFIP claims, three years; Clay, TX paid $3,668; per Clay, TX claim $1,834; carriers reprice Clay, TX against that record.
Which Clay County ZIP codes carry the most insurance distress (TX)?
Clay, TX, June 2026: 76261 at 0, 76230 at 0, 76305 at 0, 76310 at 0; Clay, TX climate scores there: 39, 38, 36, 29.
Why does Clay, TX insurance distress create sellers?
A Clay, TX premium outruns the Clay, TX budget; a carrier leaves Clay, TX; Clay, TX carrying cost passes plan; Clay, TX owners sell while current; Clay, TX insurance distress leads Clay, TX foreclosure data.