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

Insurance distress in Coleman County, Texas reads moderate (26/100), in the lower-risk band nationally — #1844 nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

It is the combination -- 51/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

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

For a buyer, Coleman County at 26/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

A 2/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

With 0 flood claims and $0 in payouts on the three-year record, Coleman County gives underwriters a concrete reason to reprice or exit.

DLRadar re-scores Coleman County every month against the latest FEMA, NFIP and carrier data, so 26/100 tracks the live market — not a snapshot frozen at some earlier point.

DLRadar does not treat 26/100 as a standalone number — the Coleman County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.