Freestone County, TX: Home-Insurance Distress & Forced-Sale Pressure
Freestone County, TX: 43/100 (moderate) home-insurance distress; Freestone, TX band MEDIUM; Freestone, TX #1,280 of 3,222 counties; Freestone, TX #106 of 254 in Texas; raw Freestone, TX 50.4; Freestone, TX coverage multiplier 0.85.
FEMA hazard, Freestone, TX: 84/100; Freestone, TX declarations, three years: 4; Freestone, TX perils: 2 hurricane, 2 flood; Freestone, TX five-year count 4 (severity 6.0); Freestone, TX ten-year 4; hazard-weighted, Freestone, TX: 14.0.
Declared incidents on the Freestone, TX record: 2024 Hurricane 3; 2024 Flood 3 (Freestone, TX).
NFIP claims, Freestone, TX, three years: none; Freestone, TX claim-stress 0/100.
Freestone, TX monthly score held, 42 (March 2026) to 42 (October 2026); Freestone, TX by month: March 42, April 42, May 46, June 46 (Freestone, TX), July 43, August 45, September 44, October 42.
Freestone, TX components: climate 83; Freestone, TX retreat index 42; Freestone, TX climate multiplier 0.85.
Construction distress, Freestone, TX: 13/100 as of August 2026 (Freestone, TX: 13/100 one-to-four unit, 21/100 multifamily).
Freestone, TX ZIPs, June 2026 (Freestone, TX, 9 highest): score 0 (Freestone, TX), climate 59 (Freestone, TX): 76693; score 0 (Freestone, TX), climate 58 (Freestone, TX): 75859; score 0 (Freestone, TX), climate 54 (Freestone, TX): 75831; score 0 (Freestone, TX), climate 53 (Freestone, TX): 75855; score 0 (Freestone, TX), climate 52 (Freestone, TX): 75838, 76667; score 0 (Freestone, TX), climate 51 (Freestone, TX): 75840, 75848, 75860.
DLRadar rescores Freestone, TX monthly; Freestone, TX readings join Freestone, TX foreclosure, lien and ownership parcels (Freestone, TX), so cost-squeezed Freestone, TX owners surface before listing.
Inside Texas, Freestone County ranks 106th of 254 counties for home-insurance distress at 43/100; Kinney County (47/100) sits just above Freestone County, and Lee County (43/100) sits just below Freestone County.
Deterministic. Every Freestone County, TX signal traces to a public Freestone dataset (FEMA, NFIP, Census for Freestone, TX) · how insurance distress works in Freestone, TX · methodology
FAQ: Freestone County, TX insurance distress
What is the Freestone County, TX home-insurance-distress score?
Freestone, TX: 43/100 (MEDIUM), #1,280 of 3,222, #106 in Texas. FEMA hazard, Freestone, TX: 84/100; NFIP stress, Freestone, TX: 0/100; construction, Freestone, TX: 13/100; Freestone, TX rescores monthly.
Is Freestone County insurance distress getting better or worse (TX)?
Freestone, TX: 42 in March 2026; Freestone, TX: 42 in October 2026 (unchanged); Freestone, TX climate component 83.
Which Freestone County ZIP codes carry the most insurance distress (TX)?
Freestone, TX, June 2026: 76693 at 0, 75859 at 0, 75831 at 0, 75855 at 0; Freestone, TX climate scores there: 59, 58, 54, 53.
Why does Freestone, TX insurance distress create sellers?
A Freestone, TX premium outruns the Freestone, TX budget; a carrier leaves Freestone, TX; Freestone, TX carrying cost passes plan; Freestone, TX owners sell while current; Freestone, TX insurance distress leads Freestone, TX foreclosure data.