Harris County, TX: Home-Insurance Distress & Forced-Sale Pressure
Harris County, TX: 88/100 (severe) home-insurance distress; Harris, TX band HIGH; Harris, TX #147 of 3,222 counties; Harris, TX #8 of 254 in Texas.
FEMA hazard, Harris, TX: 84/100; Harris, TX declarations, three years: 4; Harris, TX perils: 2 hurricane, 2 flood; Harris, TX five-year count 4 (severity 6.0); Harris, TX ten-year 4; hazard-weighted, Harris, TX: 14.0.
Declared incidents on the Harris, TX record: 2024 Hurricane 2; 2024 Flood 2 (Harris, TX).
NFIP claims, Harris, TX, three years: 1,889; Harris, TX payouts $56,516,237; per Harris, TX claim $29,919; Harris, TX claim-stress 94/100.
Harris, TX monthly score held, 87 (March 2026) to 87 (October 2026); Harris, TX by month: March 87, April 87, May 91, June 91 (Harris, TX), July 89, August 91, September 89, October 87.
Harris, TX components: climate 83, NFIP claims 94; Harris, TX retreat index 87.
Construction distress, Harris, TX: 53/100 as of August 2026 (Harris, TX: 60/100 one-to-four unit, 36/100 multifamily).
Harris, TX ZIPs, June 2026 (Harris, TX, 16 highest): score 0 (Harris, TX), climate 100 (Harris, TX): 77002, 77003, 77004, 77005, Harris, TX 77006, 77007, 77008, 77009, Harris, TX 77010, 77011, 77012, 77013, Harris, TX 77014, 77015, 77016, 77017.
DLRadar rescores Harris, TX monthly; Harris, TX readings join Harris, TX foreclosure, lien and ownership parcels (Harris, TX), so cost-squeezed Harris, TX owners surface before listing.
Inside Texas, Harris County ranks 8th of 254 counties for home-insurance distress at 88/100; Polk County (88/100) sits just above Harris County, and Hardin County (88/100) sits just below Harris County.
Deterministic. Every Harris County, TX signal traces to a public Harris dataset (FEMA, NFIP, Census for Harris, TX) · how insurance distress works in Harris, TX · methodology
FAQ: Harris County, TX insurance distress
What is the Harris County, TX home-insurance-distress score?
Harris, TX: 88/100 (HIGH), #147 of 3,222, #8 in Texas. FEMA hazard, Harris, TX: 84/100; NFIP stress, Harris, TX: 94/100; construction, Harris, TX: 53/100; Harris, TX rescores monthly.
Is Harris County insurance distress getting better or worse (TX)?
Harris, TX: 87 in March 2026; Harris, TX: 87 in October 2026 (unchanged); Harris, TX climate component 83; Harris, TX NFIP claims score 94.
How many flood-insurance claims has Harris County, TX had?
Harris, TX: 1,889 NFIP claims, three years; Harris, TX paid $56,516,237; per Harris, TX claim $29,919; carriers reprice Harris, TX against that record.
Which Harris County ZIP codes carry the most insurance distress (TX)?
Harris, TX, June 2026: 77002 at 0, 77003 at 0, 77004 at 0, 77005 at 0; Harris, TX climate scores there: 100, 100, 100, 100.
Why does Harris, TX insurance distress create sellers?
A Harris, TX premium outruns the Harris, TX budget; a carrier leaves Harris, TX; Harris, TX carrying cost passes plan; Harris, TX owners sell while current; Harris, TX insurance distress leads Harris, TX foreclosure data.