Hidalgo County, TX: Home-Insurance Distress & Forced-Sale Pressure
Hidalgo County, TX: 89/100 (severe) home-insurance distress; Hidalgo, TX band HIGH; Hidalgo, TX #126 of 3,222 counties; Hidalgo, TX #6 of 254 in Texas; raw Hidalgo, TX 93.4.
FEMA hazard, Hidalgo, TX: 84/100; Hidalgo, TX declarations, three years: 6; Hidalgo, TX perils: 2 hurricane, 2 flood; Hidalgo, TX five-year count 4 (severity 7.0); Hidalgo, TX ten-year 4; hazard-weighted, Hidalgo, TX: 21.0.
Declared incidents on the Hidalgo, TX record: 2025 Flood 2; 2024 Hurricane 2 (Hidalgo, TX).
NFIP claims, Hidalgo, TX, three years: 473; Hidalgo, TX payouts $24,800,464; per Hidalgo, TX claim $52,432; Hidalgo, TX claim-stress 97/100.
Hidalgo, TX monthly score rose, 88 (March 2026) to 89 (October 2026); Hidalgo, TX by month: March 88, April 88, May 92, June 92 (Hidalgo, TX), July 90, August 92, September 90, October 89.
Hidalgo, TX components: climate 83, NFIP claims 97; Hidalgo, TX retreat index 89.
Construction distress, Hidalgo, TX: 62/100 as of August 2026 (Hidalgo, TX: 53/100 one-to-four unit, 86/100 multifamily).
Hidalgo, TX ZIPs, June 2026 (Hidalgo, TX, 16 highest): score 0 (Hidalgo, TX), climate 98 (Hidalgo, TX): 78501, 78503, 78504, 78516, Hidalgo, TX 78537, 78538, 78539, 78540, Hidalgo, TX 78541, 78542, 78543, 78549, Hidalgo, TX 78557, 78558, 78560, 78562.
DLRadar rescores Hidalgo, TX monthly; Hidalgo, TX readings join Hidalgo, TX foreclosure, lien and ownership parcels (Hidalgo, TX), so cost-squeezed Hidalgo, TX owners surface before listing.
Inside Texas, Hidalgo County ranks 6th of 254 counties for home-insurance distress at 89/100; Liberty County (89/100) sits just above Hidalgo County, and Polk County (88/100) sits just below Hidalgo County.
Deterministic. Every Hidalgo County, TX signal traces to a public Hidalgo dataset (FEMA, NFIP, Census for Hidalgo, TX) · how insurance distress works in Hidalgo, TX · methodology
FAQ: Hidalgo County, TX insurance distress
What is the Hidalgo County, TX home-insurance-distress score?
Hidalgo, TX: 89/100 (HIGH), #126 of 3,222, #6 in Texas. FEMA hazard, Hidalgo, TX: 84/100; NFIP stress, Hidalgo, TX: 97/100; construction, Hidalgo, TX: 62/100; Hidalgo, TX rescores monthly.
Is Hidalgo County insurance distress getting better or worse (TX)?
Hidalgo, TX: 88 in March 2026; Hidalgo, TX: 89 in October 2026 (worse); Hidalgo, TX climate component 83; Hidalgo, TX NFIP claims score 97.
How many flood-insurance claims has Hidalgo County, TX had?
Hidalgo, TX: 473 NFIP claims, three years; Hidalgo, TX paid $24,800,464; per Hidalgo, TX claim $52,432; carriers reprice Hidalgo, TX against that record.
Which Hidalgo County ZIP codes carry the most insurance distress (TX)?
Hidalgo, TX, June 2026: 78501 at 0, 78503 at 0, 78504 at 0, 78516 at 0; Hidalgo, TX climate scores there: 98, 98, 98, 98.
Why does Hidalgo, TX insurance distress create sellers?
A Hidalgo, TX premium outruns the Hidalgo, TX budget; a carrier leaves Hidalgo, TX; Hidalgo, TX carrying cost passes plan; Hidalgo, TX owners sell while current; Hidalgo, TX insurance distress leads Hidalgo, TX foreclosure data.