Hardin County, TX: Home-Insurance Distress & Forced-Sale Pressure
Hardin County, TX: 88/100 (severe) home-insurance distress; Hardin, TX band HIGH; Hardin, TX #148 of 3,222 counties; Hardin, TX #9 of 254 in Texas.
FEMA hazard, Hardin, TX: 84/100; Hardin, TX declarations, three years: 4; Hardin, TX perils: 2 hurricane, 2 flood; Hardin, TX five-year count 4 (severity 6.0); Hardin, TX ten-year 4; hazard-weighted, Hardin, TX: 14.0.
Declared incidents on the Hardin, TX record: 2024 Hurricane 2; 2024 Flood 2 (Hardin, TX).
NFIP claims, Hardin, TX, three years: 60; Hardin, TX payouts $2,957,136; per Hardin, TX claim $49,286; Hardin, TX claim-stress 94/100.
Hardin, TX monthly score rose, 86 (March 2026) to 87 (October 2026); Hardin, TX by month: March 86, April 86, May 91, June 91 (Hardin, TX), July 88, August 91, September 89, October 87.
Hardin, TX components: climate 83, NFIP claims 94; Hardin, TX retreat index 87.
Construction distress, Hardin, TX: 53/100 as of August 2026 (Hardin, TX: 53/100 one-to-four unit, 0/100 multifamily).
Hardin, TX ZIPs, June 2026 (Hardin, TX, 12 highest): score 0 (Hardin, TX), climate 77 (Hardin, TX): 77369; score 0 (Hardin, TX), climate 75 (Hardin, TX): 77564; score 0 (Hardin, TX), climate 70 (Hardin, TX): 77374, 77376, 77519, 77585, Hardin, TX 77625, 77657, 77659; score 0 (Hardin, TX), climate 68 (Hardin, TX): 77656; score 0 (Hardin, TX), climate 67 (Hardin, TX): 77663; score 0 (Hardin, TX), climate 56 (Hardin, TX): 77664.
DLRadar rescores Hardin, TX monthly; Hardin, TX readings join Hardin, TX foreclosure, lien and ownership parcels (Hardin, TX), so cost-squeezed Hardin, TX owners surface before listing.
Inside Texas, Hardin County ranks 9th of 254 counties for home-insurance distress at 88/100; Harris County (88/100) sits just above Hardin County, and Newton County (87/100) sits just below Hardin County.
Deterministic. Every Hardin County, TX signal traces to a public Hardin dataset (FEMA, NFIP, Census for Hardin, TX) · how insurance distress works in Hardin, TX · methodology
FAQ: Hardin County, TX insurance distress
What is the Hardin County, TX home-insurance-distress score?
Hardin, TX: 88/100 (HIGH), #148 of 3,222, #9 in Texas. FEMA hazard, Hardin, TX: 84/100; NFIP stress, Hardin, TX: 94/100; construction, Hardin, TX: 53/100; Hardin, TX rescores monthly.
Is Hardin County insurance distress getting better or worse (TX)?
Hardin, TX: 86 in March 2026; Hardin, TX: 87 in October 2026 (worse); Hardin, TX climate component 83; Hardin, TX NFIP claims score 94.
How many flood-insurance claims has Hardin County, TX had?
Hardin, TX: 60 NFIP claims, three years; Hardin, TX paid $2,957,136; per Hardin, TX claim $49,286; carriers reprice Hardin, TX against that record.
Which Hardin County ZIP codes carry the most insurance distress (TX)?
Hardin, TX, June 2026: 77369 at 0, 77564 at 0, 77374 at 0, 77376 at 0; Hardin, TX climate scores there: 77, 75, 70, 70.
Why does Hardin, TX insurance distress create sellers?
A Hardin, TX premium outruns the Hardin, TX budget; a carrier leaves Hardin, TX; Hardin, TX carrying cost passes plan; Hardin, TX owners sell while current; Hardin, TX insurance distress leads Hardin, TX foreclosure data.