Hopkins County, TX: Home-Insurance Distress & Forced-Sale Pressure
Hopkins County, TX: 37/100 (moderate) home-insurance distress; Hopkins, TX band LOW; Hopkins, TX #1,425 of 3,222 counties; Hopkins, TX #129 of 254 in Texas; raw Hopkins, TX 41.4.
FEMA hazard, Hopkins, TX: 52/100; Hopkins, TX declarations, three years: 3; Hopkins, TX perils: 2 flood; Hopkins, TX five-year count 4 (severity 5.0); Hopkins, TX ten-year 4; hazard-weighted, Hopkins, TX: 6.0.
Declared incidents on the Hopkins, TX record: 2024 Flood 2; 2023 Winter Storm 2 (Hopkins, TX).
NFIP claims, Hopkins, TX, three years: 1; Hopkins, TX payouts $0; per Hopkins, TX claim $0; Hopkins, TX claim-stress 15/100.
Hopkins, TX monthly score fell, 42 (March 2026) to 37 (October 2026); Hopkins, TX by month: March 42, April 42, May 41, June 41 (Hopkins, TX), July 39, August 38, September 38, October 37.
Hopkins, TX components: climate 52, NFIP claims 15; Hopkins, TX retreat index 37.
Construction distress, Hopkins, TX: 73/100 as of August 2026 (Hopkins, TX: 73/100 one-to-four unit, 27/100 multifamily).
Hopkins, TX ZIPs, June 2026 (Hopkins, TX, 13 highest): score 0 (Hopkins, TX), climate 71 (Hopkins, TX): 75433, 75437, 75482; score 0 (Hopkins, TX), climate 70 (Hopkins, TX): 75420, 75453, 75471; score 0 (Hopkins, TX), climate 68 (Hopkins, TX): 75431; score 0 (Hopkins, TX), climate 67 (Hopkins, TX): 75478, 75481; score 0 (Hopkins, TX), climate 60 (Hopkins, TX): 75497; score 0 (Hopkins, TX), climate 53 (Hopkins, TX): 75494; score 0 (Hopkins, TX), climate 16 (Hopkins, TX): 75440; score 0 (Hopkins, TX), climate 15 (Hopkins, TX): 75472.
DLRadar rescores Hopkins, TX monthly; Hopkins, TX readings join Hopkins, TX foreclosure, lien and ownership parcels (Hopkins, TX), so cost-squeezed Hopkins, TX owners surface before listing.
Inside Texas, Hopkins County ranks 129th of 254 counties for home-insurance distress at 37/100; Hockley County (37/100) sits just above Hopkins County, and Jones County (37/100) sits just below Hopkins County.
Deterministic. Every Hopkins County, TX signal traces to a public Hopkins dataset (FEMA, NFIP, Census for Hopkins, TX) · how insurance distress works in Hopkins, TX · methodology
FAQ: Hopkins County, TX insurance distress
What is the Hopkins County, TX home-insurance-distress score?
Hopkins, TX: 37/100 (LOW), #1,425 of 3,222, #129 in Texas. FEMA hazard, Hopkins, TX: 52/100; NFIP stress, Hopkins, TX: 15/100; construction, Hopkins, TX: 73/100; Hopkins, TX rescores monthly.
Is Hopkins County insurance distress getting better or worse (TX)?
Hopkins, TX: 42 in March 2026; Hopkins, TX: 37 in October 2026 (better); Hopkins, TX climate component 52; Hopkins, TX NFIP claims score 15.
How many flood-insurance claims has Hopkins County, TX had?
Hopkins, TX: 1 NFIP claims, three years; Hopkins, TX paid $0; per Hopkins, TX claim $0; carriers reprice Hopkins, TX against that record.
Which Hopkins County ZIP codes carry the most insurance distress (TX)?
Hopkins, TX, June 2026: 75433 at 0, 75437 at 0, 75482 at 0, 75420 at 0; Hopkins, TX climate scores there: 71, 71, 71, 70.
Why does Hopkins, TX insurance distress create sellers?
A Hopkins, TX premium outruns the Hopkins, TX budget; a carrier leaves Hopkins, TX; Hopkins, TX carrying cost passes plan; Hopkins, TX owners sell while current; Hopkins, TX insurance distress leads Hopkins, TX foreclosure data.