Howard County, TX: Home-Insurance Distress & Forced-Sale Pressure
Howard County, TX: 7/100 (low) home-insurance distress; Howard, TX band LOW; Howard, TX #2,419 of 3,222 counties; Howard, TX #185 of 254 in Texas; raw Howard, TX 7.7; Howard, TX coverage multiplier 0.85.
FEMA hazard, Howard, TX: 0/100; Howard, TX declarations, three years: none.
NFIP claims, Howard, TX, three years: 2; Howard, TX payouts $0; per Howard, TX claim $0; Howard, TX claim-stress 19/100.
Howard, TX monthly score rose, 6 (March 2026) to 7 (October 2026); Howard, TX by month: March 6, April 6, May 5, June 5 (Howard, TX), July 5, August 5, September 5, October 7.
Howard, TX components: NFIP claims 19; Howard, TX retreat index 7; Howard, TX climate multiplier 0.85.
Construction distress, Howard, TX: 0/100 as of August 2026 (Howard, TX: 0/100 one-to-four unit, 0/100 multifamily).
Howard, TX ZIPs, June 2026 (Howard, TX, 6 highest): score 0 (Howard, TX), climate 51 (Howard, TX): 79721, 79733; score 0 (Howard, TX), climate 39 (Howard, TX): 79511, 79748; score 0 (Howard, TX), climate 31 (Howard, TX): 79720; score 0 (Howard, TX), climate 27 (Howard, TX): 79713.
DLRadar rescores Howard, TX monthly; Howard, TX readings join Howard, TX foreclosure, lien and ownership parcels (Howard, TX), so cost-squeezed Howard, TX owners surface before listing.
Inside Texas, Howard County ranks 185th of 254 counties for home-insurance distress at 7/100; Young County (18/100) sits just above Howard County, and Comanche County (5/100) sits just below Howard County.
Deterministic. Every Howard County, TX signal traces to a public Howard dataset (FEMA, NFIP, Census for Howard, TX) · how insurance distress works in Howard, TX · methodology
FAQ: Howard County, TX insurance distress
What is the Howard County, TX home-insurance-distress score?
Howard, TX: 7/100 (LOW), #2,419 of 3,222, #185 in Texas. FEMA hazard, Howard, TX: 0/100; NFIP stress, Howard, TX: 19/100; construction, Howard, TX: 0/100; Howard, TX rescores monthly.
Is Howard County insurance distress getting better or worse (TX)?
Howard, TX: 6 in March 2026; Howard, TX: 7 in October 2026 (worse); Howard, TX NFIP claims score 19.
How many flood-insurance claims has Howard County, TX had?
Howard, TX: 2 NFIP claims, three years; Howard, TX paid $0; per Howard, TX claim $0; carriers reprice Howard, TX against that record.
Which Howard County ZIP codes carry the most insurance distress (TX)?
Howard, TX, June 2026: 79721 at 0, 79733 at 0, 79511 at 0, 79748 at 0; Howard, TX climate scores there: 51, 51, 39, 39.
Why does Howard, TX insurance distress create sellers?
A Howard, TX premium outruns the Howard, TX budget; a carrier leaves Howard, TX; Howard, TX carrying cost passes plan; Howard, TX owners sell while current; Howard, TX insurance distress leads Howard, TX foreclosure data.