Houston County, TX: Home-Insurance Distress & Forced-Sale Pressure
Houston County, TX: 74/100 (severe) home-insurance distress; Houston, TX band MEDIUM; Houston, TX #540 of 3,222 counties; Houston, TX #51 of 254 in Texas.
FEMA hazard, Houston, TX: 84/100; Houston, TX declarations, three years: 4; Houston, TX perils: 2 hurricane, 2 flood; Houston, TX five-year count 4 (severity 6.0); Houston, TX ten-year 4; hazard-weighted, Houston, TX: 14.0.
Declared incidents on the Houston, TX record: 2024 Hurricane 2; 2024 Flood 2 (Houston, TX).
NFIP claims, Houston, TX, three years: 1; Houston, TX payouts $15,155; per Houston, TX claim $15,155; Houston, TX claim-stress 58/100.
Houston, TX monthly score fell, 74 (March 2026) to 73 (October 2026); Houston, TX by month: March 74, April 74, May 78, June 78 (Houston, TX), July 75, August 78, September 76, October 73.
Houston, TX components: climate 83, NFIP claims 58; Houston, TX retreat index 73.
Construction distress, Houston, TX: 89/100 as of August 2026 (Houston, TX: 91/100 one-to-four unit, 0/100 multifamily).
Houston, TX ZIPs, June 2026 (Houston, TX, 8 highest): score 0 (Houston, TX), climate 69 (Houston, TX): 75839; score 0 (Houston, TX), climate 56 (Houston, TX): 75844; score 0 (Houston, TX), climate 53 (Houston, TX): 75835, 75847, 75849, 75851, Houston, TX 75856, 75858.
DLRadar rescores Houston, TX monthly; Houston, TX readings join Houston, TX foreclosure, lien and ownership parcels (Houston, TX), so cost-squeezed Houston, TX owners surface before listing.
Inside Texas, Houston County ranks 51st of 254 counties for home-insurance distress at 74/100; Madison County (74/100) sits just above Houston County, and Webb County (74/100) sits just below Houston County.
Deterministic. Every Houston County, TX signal traces to a public Houston dataset (FEMA, NFIP, Census for Houston, TX) · how insurance distress works in Houston, TX · methodology
FAQ: Houston County, TX insurance distress
What is the Houston County, TX home-insurance-distress score?
Houston, TX: 74/100 (MEDIUM), #540 of 3,222, #51 in Texas. FEMA hazard, Houston, TX: 84/100; NFIP stress, Houston, TX: 58/100; construction, Houston, TX: 89/100; Houston, TX rescores monthly.
Is Houston County insurance distress getting better or worse (TX)?
Houston, TX: 74 in March 2026; Houston, TX: 73 in October 2026 (better); Houston, TX climate component 83; Houston, TX NFIP claims score 58.
How many flood-insurance claims has Houston County, TX had?
Houston, TX: 1 NFIP claims, three years; Houston, TX paid $15,155; per Houston, TX claim $15,155; carriers reprice Houston, TX against that record.
Which Houston County ZIP codes carry the most insurance distress (TX)?
Houston, TX, June 2026: 75839 at 0, 75844 at 0, 75835 at 0, 75847 at 0; Houston, TX climate scores there: 69, 56, 53, 53.
Why does Houston, TX insurance distress create sellers?
A Houston, TX premium outruns the Houston, TX budget; a carrier leaves Houston, TX; Houston, TX carrying cost passes plan; Houston, TX owners sell while current; Houston, TX insurance distress leads Houston, TX foreclosure data.