Ellis County, TX: Home-Insurance Distress & Forced-Sale Pressure
Ellis County, TX: 64/100 (elevated) home-insurance distress; Ellis, TX band MEDIUM; Ellis, TX #796 of 3,222 counties; Ellis, TX #86 of 254 in Texas.
FEMA hazard, Ellis, TX: 52/100; Ellis, TX declarations, three years: 2; Ellis, TX perils: 2 flood; Ellis, TX five-year count 2 (severity 3.0); Ellis, TX ten-year 2; hazard-weighted, Ellis, TX: 4.0.
Declared incidents on the Ellis, TX record: 2024 Flood 2 (Ellis, TX).
NFIP claims, Ellis, TX, three years: 7; Ellis, TX payouts $312,644; per Ellis, TX claim $44,663; Ellis, TX claim-stress 83/100.
Ellis, TX monthly score fell, 69 (March 2026) to 64 (October 2026); Ellis, TX by month: March 69, April 69, May 68, June 68 (Ellis, TX), July 65, August 64, September 65, October 64.
Ellis, TX components: climate 52, NFIP claims 83; Ellis, TX retreat index 64.
Construction distress, Ellis, TX: 74/100 as of August 2026 (Ellis, TX: 64/100 one-to-four unit, 97/100 multifamily).
Ellis, TX ZIPs, June 2026 (Ellis, TX, 16 highest): score 0 (Ellis, TX), climate 100 (Ellis, TX): 75146; score 0 (Ellis, TX), climate 99 (Ellis, TX): 75104; score 0 (Ellis, TX), climate 96 (Ellis, TX): 76063; score 0 (Ellis, TX), climate 87 (Ellis, TX): 75125; score 0 (Ellis, TX), climate 85 (Ellis, TX): 76084; score 0 (Ellis, TX), climate 84 (Ellis, TX): 75154; score 0 (Ellis, TX), climate 83 (Ellis, TX): 76050; score 0 (Ellis, TX), climate 82 (Ellis, TX): 75101, 75119, 75152, 75165, Ellis, TX 75167, 76041, 76064, 76065, Ellis, TX 76623.
DLRadar rescores Ellis, TX monthly; Ellis, TX readings join Ellis, TX foreclosure, lien and ownership parcels (Ellis, TX), so cost-squeezed Ellis, TX owners surface before listing.
Inside Texas, Ellis County ranks 86th of 254 counties for home-insurance distress at 64/100; Kaufman County (65/100) sits just above Ellis County, and Comal County (63/100) sits just below Ellis County.
Deterministic. Every Ellis County, TX signal traces to a public Ellis dataset (FEMA, NFIP, Census for Ellis, TX) · how insurance distress works in Ellis, TX · methodology
FAQ: Ellis County, TX insurance distress
What is the Ellis County, TX home-insurance-distress score?
Ellis, TX: 64/100 (MEDIUM), #796 of 3,222, #86 in Texas. FEMA hazard, Ellis, TX: 52/100; NFIP stress, Ellis, TX: 83/100; construction, Ellis, TX: 74/100; Ellis, TX rescores monthly.
Is Ellis County insurance distress getting better or worse (TX)?
Ellis, TX: 69 in March 2026; Ellis, TX: 64 in October 2026 (better); Ellis, TX climate component 52; Ellis, TX NFIP claims score 83.
How many flood-insurance claims has Ellis County, TX had?
Ellis, TX: 7 NFIP claims, three years; Ellis, TX paid $312,644; per Ellis, TX claim $44,663; carriers reprice Ellis, TX against that record.
Which Ellis County ZIP codes carry the most insurance distress (TX)?
Ellis, TX, June 2026: 75146 at 0, 75104 at 0, 76063 at 0, 75125 at 0; Ellis, TX climate scores there: 100, 99, 96, 87.
Why does Ellis, TX insurance distress create sellers?
A Ellis, TX premium outruns the Ellis, TX budget; a carrier leaves Ellis, TX; Ellis, TX carrying cost passes plan; Ellis, TX owners sell while current; Ellis, TX insurance distress leads Ellis, TX foreclosure data.