Jim Wells County, TX: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Jim Wells County, Texas reads low (0/100), in the lower-risk band nationally — #3074 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
NFIP paid $0 across 0 Jim Wells County flood claims in three years, roughly $0 each; that record is what reprices coverage.
The Jim Wells County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 0/100 reading reflects the current renewal environment rather than a historical average.
The pressure here is driven by a FEMA hazard score of 0/100; NFIP flood-claim stress of 0/100 over three years — the exposures carriers price against and increasingly decline to renew.
Rebuild-cost inflation compounds it: construction-distress reads 94/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
DLRadar does not treat that as a standalone number — the Jim Wells County insurance read is cross-referenced against the county's foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.
In practice, Jim Wells County's low insurance-distress level marks it as a place to watch owner behavior: as renewals land, the households that can no longer carry the premium become the motivated sellers worth reaching early.
Read together, a 0/100 hazard base and 0/100 flood-claim stress explain why Jim Wells County screens as a place where coverage cost, not the loan, is the likely sale trigger.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Jim Wells County insurance distress — FAQ
How bad is home-insurance distress in Jim Wells County, Texas?
Jim Wells County scores 0/100 for home-insurance distress (ZERO), ranking #3074 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (0/100), NFIP flood-claim stress (0/100) and carrier pressure, updated monthly from public federal data.
How many flood-insurance claims has Jim Wells County had?
Over the trailing three years, Jim Wells County recorded 0 NFIP flood claims with $0 paid out, roughly $0 per claim. That loss history is a primary input insurers use when they raise premiums or decline to renew.
Why does insurance distress create distressed sellers in Jim Wells County?
When premiums in Jim Wells County rise faster than owners budgeted — or carriers stop writing policies altogether — the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.