Galveston County, TX: Home-Insurance Distress & Forced-Sale Pressure
Galveston County, TX: 80/100 (severe) home-insurance distress; Galveston, TX band HIGH; Galveston, TX #341 of 3,222 counties; Galveston, TX #26 of 254 in Texas.
FEMA hazard, Galveston, TX: 74/100; Galveston, TX declarations, three years: 2; Galveston, TX perils: 2 hurricane; Galveston, TX five-year count 2 (severity 3.0); Galveston, TX ten-year 2; hazard-weighted, Galveston, TX: 10.0.
Declared incidents on the Galveston, TX record: 2024 Hurricane 3 (Galveston, TX).
NFIP claims, Galveston, TX, three years: 806; Galveston, TX payouts $13,417,915; per Galveston, TX claim $16,648; Galveston, TX claim-stress 90/100.
Galveston, TX monthly score fell, 83 (March 2026) to 81 (October 2026); Galveston, TX by month: March 83, April 83, May 84, June 84 (Galveston, TX), July 82, August 83, September 82, October 81.
Galveston, TX components: climate 74, NFIP claims 90; Galveston, TX retreat index 81.
Construction distress, Galveston, TX: 53/100 as of August 2026 (Galveston, TX: 53/100 one-to-four unit, 12/100 multifamily).
Galveston, TX ZIPs, June 2026 (Galveston, TX, 16 highest): score 0 (Galveston, TX), climate 97 (Galveston, TX): 77546; score 0 (Galveston, TX), climate 95 (Galveston, TX): 77510, 77517, 77518, 77539, Galveston, TX 77550, 77551, 77554, 77555, Galveston, TX 77563, 77565, 77568, 77573, Galveston, TX 77590, 77591, 77617.
DLRadar rescores Galveston, TX monthly; Galveston, TX readings join Galveston, TX foreclosure, lien and ownership parcels (Galveston, TX), so cost-squeezed Galveston, TX owners surface before listing.
Inside Texas, Galveston County ranks 26th of 254 counties for home-insurance distress at 80/100; Orange County (81/100) sits just above Galveston County, and Brazoria County (80/100) sits just below Galveston County.
Deterministic. Every Galveston County, TX signal traces to a public Galveston dataset (FEMA, NFIP, Census for Galveston, TX) · how insurance distress works in Galveston, TX · methodology
FAQ: Galveston County, TX insurance distress
What is the Galveston County, TX home-insurance-distress score?
Galveston, TX: 80/100 (HIGH), #341 of 3,222, #26 in Texas. FEMA hazard, Galveston, TX: 74/100; NFIP stress, Galveston, TX: 90/100; construction, Galveston, TX: 53/100; Galveston, TX rescores monthly.
Is Galveston County insurance distress getting better or worse (TX)?
Galveston, TX: 83 in March 2026; Galveston, TX: 81 in October 2026 (better); Galveston, TX climate component 74; Galveston, TX NFIP claims score 90.
How many flood-insurance claims has Galveston County, TX had?
Galveston, TX: 806 NFIP claims, three years; Galveston, TX paid $13,417,915; per Galveston, TX claim $16,648; carriers reprice Galveston, TX against that record.
Which Galveston County ZIP codes carry the most insurance distress (TX)?
Galveston, TX, June 2026: 77546 at 0, 77510 at 0, 77517 at 0, 77518 at 0; Galveston, TX climate scores there: 97, 95, 95, 95.
Why does Galveston, TX insurance distress create sellers?
A Galveston, TX premium outruns the Galveston, TX budget; a carrier leaves Galveston, TX; Galveston, TX carrying cost passes plan; Galveston, TX owners sell while current; Galveston, TX insurance distress leads Galveston, TX foreclosure data.