Gonzales County, TX: Home-Insurance Distress & Forced-Sale Pressure
Gonzales County, TX: 55/100 (elevated) home-insurance distress; Gonzales, TX band MEDIUM; Gonzales, TX #996 of 3,222 counties; Gonzales, TX #99 of 254 in Texas.
FEMA hazard, Gonzales, TX: 52/100; Gonzales, TX declarations, three years: 2; Gonzales, TX perils: 2 flood; Gonzales, TX five-year count 2 (severity 3.0); Gonzales, TX ten-year 2; hazard-weighted, Gonzales, TX: 4.0.
Declared incidents on the Gonzales, TX record: 2024 Flood 2 (Gonzales, TX).
NFIP claims, Gonzales, TX, three years: 1; Gonzales, TX payouts $19,684; per Gonzales, TX claim $19,684; Gonzales, TX claim-stress 60/100.
Gonzales, TX monthly score fell, 61 (March 2026) to 55 (October 2026); Gonzales, TX by month: March 61, April 61, May 60, June 60 (Gonzales, TX), July 57, August 56, September 57, October 55.
Gonzales, TX components: climate 52, NFIP claims 60; Gonzales, TX retreat index 55.
Construction distress, Gonzales, TX: 19/100 as of August 2026 (Gonzales, TX: 21/100 one-to-four unit, 7/100 multifamily).
Gonzales, TX ZIPs, June 2026 (Gonzales, TX, 15 highest): score 0 (Gonzales, TX), climate 92 (Gonzales, TX): 78638; score 0 (Gonzales, TX), climate 82 (Gonzales, TX): 78122, 78159, 78614, 78629, Gonzales, TX 78658, 78677; score 0 (Gonzales, TX), climate 80 (Gonzales, TX): 78140, 78632, 78648; score 0 (Gonzales, TX), climate 79 (Gonzales, TX): 77954, 77984, 77994; score 0 (Gonzales, TX), climate 77 (Gonzales, TX): 78959; score 0 (Gonzales, TX), climate 61 (Gonzales, TX): 78941.
DLRadar rescores Gonzales, TX monthly; Gonzales, TX readings join Gonzales, TX foreclosure, lien and ownership parcels (Gonzales, TX), so cost-squeezed Gonzales, TX owners surface before listing.
Inside Texas, Gonzales County ranks 99th of 254 counties for home-insurance distress at 55/100; Limestone County (57/100) sits just above Gonzales County, and Navarro County (53/100) sits just below Gonzales County.
Deterministic. Every Gonzales County, TX signal traces to a public Gonzales dataset (FEMA, NFIP, Census for Gonzales, TX) · how insurance distress works in Gonzales, TX · methodology
FAQ: Gonzales County, TX insurance distress
What is the Gonzales County, TX home-insurance-distress score?
Gonzales, TX: 55/100 (MEDIUM), #996 of 3,222, #99 in Texas. FEMA hazard, Gonzales, TX: 52/100; NFIP stress, Gonzales, TX: 60/100; construction, Gonzales, TX: 19/100; Gonzales, TX rescores monthly.
Is Gonzales County insurance distress getting better or worse (TX)?
Gonzales, TX: 61 in March 2026; Gonzales, TX: 55 in October 2026 (better); Gonzales, TX climate component 52; Gonzales, TX NFIP claims score 60.
How many flood-insurance claims has Gonzales County, TX had?
Gonzales, TX: 1 NFIP claims, three years; Gonzales, TX paid $19,684; per Gonzales, TX claim $19,684; carriers reprice Gonzales, TX against that record.
Which Gonzales County ZIP codes carry the most insurance distress (TX)?
Gonzales, TX, June 2026: 78638 at 0, 78122 at 0, 78159 at 0, 78614 at 0; Gonzales, TX climate scores there: 92, 82, 82, 82.
Why does Gonzales, TX insurance distress create sellers?
A Gonzales, TX premium outruns the Gonzales, TX budget; a carrier leaves Gonzales, TX; Gonzales, TX carrying cost passes plan; Gonzales, TX owners sell while current; Gonzales, TX insurance distress leads Gonzales, TX foreclosure data.