Jack County, TX: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Jack County, Texas at 26/100 for home-insurance distress, a moderate level that places it #1696 of 3,222 counties, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Jack County owner into a seller.
The gap between physical hazard (0/100) and realized flood losses (77/100) is what DLRadar watches to flag insurance-driven sellers in Jack County.
Behind the score sit a FEMA hazard score of 0/100; NFIP flood-claim stress of 77/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
The 26/100 signal is only useful next to the rest: in Jack County it is layered with foreclosure, tax-lien and ownership data so a rising premium and a looming default can be read on the same parcel.
With construction distress at 65/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
Jack County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.
A moderate level of 26/100 in Jack County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
With 2 flood claims and $122,621 in payouts on the three-year record, Jack County gives underwriters a concrete reason to reprice or exit.
The nationwide monthly build covers all 3,222 counties and connects Jack County reading to real foreclosure, tax-lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Jack County insurance distress — FAQ
Is home insurance a problem for owners in Jack County, Texas?
Jack County scores 26/100 for home-insurance distress (LOW), ranking #1696 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (77/100) and carrier pressure, updated monthly from public federal data.
How much has flood insurance paid out in Jack County?
Jack County recorded 2 NFIP flood claims over the trailing three years, with $122,621 paid -- the loss record carriers price against.
Why is insurance distress a leading signal in Jack County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Jack County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.