Gray County, TX: Home-Insurance Distress & Forced-Sale Pressure
Gray County, TX: 27/100 (moderate) home-insurance distress; Gray, TX band LOW; Gray, TX #1,818 of 3,222 counties; Gray, TX #161 of 254 in Texas; raw Gray, TX 31.2; Gray, TX coverage multiplier 0.85.
FEMA hazard, Gray, TX: 52/100; Gray, TX declarations, three years: 2; Gray, TX perils: 2 fire; Gray, TX five-year count 2 (severity 4.0); Gray, TX ten-year 2; hazard-weighted, Gray, TX: 4.0.
Declared incidents on the Gray, TX record: 2025 Fire 2 (Gray, TX).
NFIP claims, Gray, TX, three years: none; Gray, TX claim-stress 0/100.
Gray, TX monthly score fell, 30 (March 2026) to 26 (October 2026); Gray, TX by month: March 30, April 30, May 30, June 30 (Gray, TX), July 27, August 26, September 27, October 26.
Gray, TX components: climate 52; Gray, TX retreat index 26; Gray, TX climate multiplier 0.85.
Construction distress, Gray, TX: 71/100 as of August 2026 (Gray, TX: 71/100 one-to-four unit, 0/100 multifamily).
Gray, TX ZIPs, June 2026 (Gray, TX, 9 highest): score 0 (Gray, TX), climate 59 (Gray, TX): 79002, 79054, 79066; score 0 (Gray, TX), climate 47 (Gray, TX): 79065; score 0 (Gray, TX), climate 41 (Gray, TX): 79057; score 0 (Gray, TX), climate 40 (Gray, TX): 79039; score 0 (Gray, TX), climate 38 (Gray, TX): 79061; score 0 (Gray, TX), climate 34 (Gray, TX): 79097; score 0 (Gray, TX), climate 11 (Gray, TX): 79059.
DLRadar rescores Gray, TX monthly; Gray, TX readings join Gray, TX foreclosure, lien and ownership parcels (Gray, TX), so cost-squeezed Gray, TX owners surface before listing.
Inside Texas, Gray County ranks 161st of 254 counties for home-insurance distress at 27/100; Fannin County (27/100) sits just above Gray County, and Hemphill County (27/100) sits just below Gray County.
Deterministic. Every Gray County, TX signal traces to a public Gray dataset (FEMA, NFIP, Census for Gray, TX) · how insurance distress works in Gray, TX · methodology
FAQ: Gray County, TX insurance distress
What is the Gray County, TX home-insurance-distress score?
Gray, TX: 27/100 (LOW), #1,818 of 3,222, #161 in Texas. FEMA hazard, Gray, TX: 52/100; NFIP stress, Gray, TX: 0/100; construction, Gray, TX: 71/100; Gray, TX rescores monthly.
Is Gray County insurance distress getting better or worse (TX)?
Gray, TX: 30 in March 2026; Gray, TX: 26 in October 2026 (better); Gray, TX climate component 52.
Which Gray County ZIP codes carry the most insurance distress (TX)?
Gray, TX, June 2026: 79002 at 0, 79054 at 0, 79066 at 0, 79065 at 0; Gray, TX climate scores there: 59, 59, 59, 47.
Why does Gray, TX insurance distress create sellers?
A Gray, TX premium outruns the Gray, TX budget; a carrier leaves Gray, TX; Gray, TX carrying cost passes plan; Gray, TX owners sell while current; Gray, TX insurance distress leads Gray, TX foreclosure data.