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

Insurance distress in Duval County, Texas reads moderate (26/100), in the lower-risk band nationally — #1849 nationally. Rising carrying cost from insurance — not the mortgage — is increasingly what pushes these owners to sell.

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

Hazard 51/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Duval County.

The reading rests on 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 - the specific exposures that widen premiums and shrink the carrier pool in Duval County.

Rebuilding is expensive in this market -- 23/100 on construction distress -- and coverage is priced off exactly that number.

A moderate level of 26/100 in Duval County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

Its exposure skews toward flood, the most frequent federal disaster driver in the county over the past three years.

Taken with the county's foreclosure and lien record, 26/100 tells you whether Duval County owners face a coverage problem or a solvency problem — the two need different outreach.

DLRadar re-scores Duval 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.

The nationwide monthly build covers all 3,222 counties and connects Duval County reading to real foreclosure, tax-lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.