Hemphill County, TX: Home-Insurance Distress & Forced-Sale Pressure
Hemphill County, TX: 27/100 (moderate) home-insurance distress; Hemphill, TX band LOW; Hemphill, TX #1,819 of 3,222 counties; Hemphill, TX #153 of 254 in Texas; raw Hemphill, TX 35.3; Hemphill, TX coverage multiplier 0.85.
FEMA hazard, Hemphill, TX: 52/100; Hemphill, TX declarations, three years: 3; Hemphill, TX perils: 2 fire; Hemphill, TX five-year count 2 (severity 3.0); Hemphill, TX ten-year 2; hazard-weighted, Hemphill, TX: 6.0.
Declared incidents on the Hemphill, TX record: 2024 Fire 2 (Hemphill, TX).
NFIP claims, Hemphill, TX, three years: none; Hemphill, TX claim-stress 0/100.
Hemphill, TX monthly score fell, 30 (March 2026) to 26 (October 2026); Hemphill, TX by month: March 30, April 30, May 30, June 30 (Hemphill, TX), July 27, August 26, September 27, October 26.
Hemphill, TX components: climate 52; Hemphill, TX retreat index 26; Hemphill, TX climate multiplier 0.85.
Construction distress, Hemphill, TX: 0/100 as of August 2026 (Hemphill, TX: 0/100 one-to-four unit, 0/100 multifamily).
Hemphill, TX ZIPs, June 2026 (Hemphill, TX, 4 highest): score 0 (Hemphill, TX), climate 27 (Hemphill, TX): 79011, 79046; score 0 (Hemphill, TX), climate 22 (Hemphill, TX): 79003; score 0 (Hemphill, TX), climate 19 (Hemphill, TX): 79014.
DLRadar rescores Hemphill, TX monthly; Hemphill, TX readings join Hemphill, TX foreclosure, lien and ownership parcels (Hemphill, TX), so cost-squeezed Hemphill, TX owners surface before listing.
Inside Texas, Hemphill County ranks 162nd of 254 counties for home-insurance distress at 27/100; Gray County (27/100) sits just above Hemphill County, and Jim Wells County (27/100) sits just below Hemphill County.
Deterministic. Every Hemphill County, TX signal traces to a public Hemphill dataset (FEMA, NFIP, Census for Hemphill, TX) · how insurance distress works in Hemphill, TX · methodology
FAQ: Hemphill County, TX insurance distress
What is the Hemphill County, TX home-insurance-distress score?
Hemphill, TX: 27/100 (LOW), #1,819 of 3,222, #153 in Texas. FEMA hazard, Hemphill, TX: 52/100; NFIP stress, Hemphill, TX: 0/100; construction, Hemphill, TX: 0/100; Hemphill, TX rescores monthly.
Is Hemphill County insurance distress getting better or worse (TX)?
Hemphill, TX: 30 in March 2026; Hemphill, TX: 26 in October 2026 (better); Hemphill, TX climate component 52.
Which Hemphill County ZIP codes carry the most insurance distress (TX)?
Hemphill, TX, June 2026: 79011 at 0, 79046 at 0, 79003 at 0, 79014 at 0; Hemphill, TX climate scores there: 27, 27, 22, 19.
Why does Hemphill, TX insurance distress create sellers?
A Hemphill, TX premium outruns the Hemphill, TX budget; a carrier leaves Hemphill, TX; Hemphill, TX carrying cost passes plan; Hemphill, TX owners sell while current; Hemphill, TX insurance distress leads Hemphill, TX foreclosure data.