Hays County, TX: Home-Insurance Distress & Forced-Sale Pressure
Hays County, TX: 37/100 (moderate) home-insurance distress; Hays, TX band LOW; Hays, TX #1,423 of 3,222 counties; Hays, TX #127 of 254 in Texas; raw Hays, TX 41.4.
FEMA hazard, Hays, TX: 52/100; Hays, TX declarations, three years: 3; Hays, TX perils: 2 flood; Hays, TX five-year count 4 (severity 5.0); Hays, TX ten-year 4; hazard-weighted, Hays, TX: 6.0.
Declared incidents on the Hays, TX record: 2024 Flood 2; 2023 Winter Storm 2 (Hays, TX).
NFIP claims, Hays, TX, three years: 1; Hays, TX payouts $0; per Hays, TX claim $0; Hays, TX claim-stress 15/100.
Hays, TX monthly score fell, 42 (March 2026) to 37 (October 2026); Hays, TX by month: March 42, April 42, May 41, June 41 (Hays, TX), July 39, August 38, September 38, October 37.
Hays, TX components: climate 52, NFIP claims 15; Hays, TX retreat index 37.
Construction distress, Hays, TX: 58/100 as of August 2026 (Hays, TX: 51/100 one-to-four unit, 73/100 multifamily).
Hays, TX ZIPs, June 2026 (Hays, TX, 14 highest): score 0 (Hays, TX), climate 98 (Hays, TX): 78736, 78739; score 0 (Hays, TX), climate 95 (Hays, TX): 78652; score 0 (Hays, TX), climate 93 (Hays, TX): 78130, 78610, 78623, 78737; score 0 (Hays, TX), climate 91 (Hays, TX): 78619, 78666; score 0 (Hays, TX), climate 89 (Hays, TX): 78620, 78640; score 0 (Hays, TX), climate 87 (Hays, TX): 78676; score 0 (Hays, TX), climate 78 (Hays, TX): 78656; score 0 (Hays, TX), climate 38 (Hays, TX): 78663.
DLRadar rescores Hays, TX monthly; Hays, TX readings join Hays, TX foreclosure, lien and ownership parcels (Hays, TX), so cost-squeezed Hays, TX owners surface before listing.
Inside Texas, Hays County ranks 127th of 254 counties for home-insurance distress at 37/100; Caldwell County (37/100) sits just above Hays County, and Hockley County (37/100) sits just below Hays County.
Deterministic. Every Hays County, TX signal traces to a public Hays dataset (FEMA, NFIP, Census for Hays, TX) · how insurance distress works in Hays, TX · methodology
FAQ: Hays County, TX insurance distress
What is the Hays County, TX home-insurance-distress score?
Hays, TX: 37/100 (LOW), #1,423 of 3,222, #127 in Texas. FEMA hazard, Hays, TX: 52/100; NFIP stress, Hays, TX: 15/100; construction, Hays, TX: 58/100; Hays, TX rescores monthly.
Is Hays County insurance distress getting better or worse (TX)?
Hays, TX: 42 in March 2026; Hays, TX: 37 in October 2026 (better); Hays, TX climate component 52; Hays, TX NFIP claims score 15.
How many flood-insurance claims has Hays County, TX had?
Hays, TX: 1 NFIP claims, three years; Hays, TX paid $0; per Hays, TX claim $0; carriers reprice Hays, TX against that record.
Which Hays County ZIP codes carry the most insurance distress (TX)?
Hays, TX, June 2026: 78736 at 0, 78739 at 0, 78652 at 0, 78130 at 0; Hays, TX climate scores there: 98, 98, 95, 93.
Why does Hays, TX insurance distress create sellers?
A Hays, TX premium outruns the Hays, TX budget; a carrier leaves Hays, TX; Hays, TX carrying cost passes plan; Hays, TX owners sell while current; Hays, TX insurance distress leads Hays, TX foreclosure data.