Henderson County, TX: Home-Insurance Distress & Forced-Sale Pressure
Henderson County, TX: 66/100 (elevated) home-insurance distress; Henderson, TX band MEDIUM; Henderson, TX #740 of 3,222 counties; Henderson, TX #77 of 254 in Texas; raw Henderson, TX 70.3.
FEMA hazard, Henderson, TX: 52/100; Henderson, TX declarations, three years: 3; Henderson, TX perils: 2 flood; Henderson, TX five-year count 4 (severity 5.0); Henderson, TX ten-year 4; hazard-weighted, Henderson, TX: 6.0.
Declared incidents on the Henderson, TX record: 2024 Flood 2; 2023 Winter Storm 2 (Henderson, TX).
NFIP claims, Henderson, TX, three years: 13; Henderson, TX payouts $623,022; per Henderson, TX claim $47,925; Henderson, TX claim-stress 87/100.
Henderson, TX monthly score held, 66 (March 2026) to 66 (October 2026); Henderson, TX by month: March 66, April 66, May 65, June 65 (Henderson, TX), July 62, August 61, September 62, October 66.
Henderson, TX components: climate 52, NFIP claims 87; Henderson, TX retreat index 66.
Construction distress, Henderson, TX: 61/100 as of August 2026 (Henderson, TX: 61/100 one-to-four unit, 0/100 multifamily).
Henderson, TX ZIPs, June 2026 (Henderson, TX, 16 highest): score 0 (Henderson, TX), climate 81 (Henderson, TX): 75148, 75156, 75163, 75756, Henderson, TX 75770, 75782; score 0 (Henderson, TX), climate 80 (Henderson, TX): 75143; score 0 (Henderson, TX), climate 79 (Henderson, TX): 75752; score 0 (Henderson, TX), climate 78 (Henderson, TX): 75751, 75758, 75778; score 0 (Henderson, TX), climate 76 (Henderson, TX): 75124; score 0 (Henderson, TX), climate 74 (Henderson, TX): 75763; score 0 (Henderson, TX), climate 70 (Henderson, TX): 75803, 75853; score 0 (Henderson, TX), climate 69 (Henderson, TX): 75147.
DLRadar rescores Henderson, TX monthly; Henderson, TX readings join Henderson, TX foreclosure, lien and ownership parcels (Henderson, TX), so cost-squeezed Henderson, TX owners surface before listing.
Inside Texas, Henderson County ranks 75th of 254 counties for home-insurance distress at 66/100; Lamar County (66/100) sits just above Henderson County, and Rockwall County (66/100) sits just below Henderson County.
Deterministic. Every Henderson County, TX signal traces to a public Henderson dataset (FEMA, NFIP, Census for Henderson, TX) · how insurance distress works in Henderson, TX · methodology
FAQ: Henderson County, TX insurance distress
What is the Henderson County, TX home-insurance-distress score?
Henderson, TX: 66/100 (MEDIUM), #740 of 3,222, #77 in Texas. FEMA hazard, Henderson, TX: 52/100; NFIP stress, Henderson, TX: 87/100; construction, Henderson, TX: 61/100; Henderson, TX rescores monthly.
Is Henderson County insurance distress getting better or worse (TX)?
Henderson, TX: 66 in March 2026; Henderson, TX: 66 in October 2026 (unchanged); Henderson, TX climate component 52; Henderson, TX NFIP claims score 87.
How many flood-insurance claims has Henderson County, TX had?
Henderson, TX: 13 NFIP claims, three years; Henderson, TX paid $623,022; per Henderson, TX claim $47,925; carriers reprice Henderson, TX against that record.
Which Henderson County ZIP codes carry the most insurance distress (TX)?
Henderson, TX, June 2026: 75148 at 0, 75156 at 0, 75163 at 0, 75756 at 0; Henderson, TX climate scores there: 81, 81, 81, 81.
Why does Henderson, TX insurance distress create sellers?
A Henderson, TX premium outruns the Henderson, TX budget; a carrier leaves Henderson, TX; Henderson, TX carrying cost passes plan; Henderson, TX owners sell while current; Henderson, TX insurance distress leads Henderson, TX foreclosure data.