Jim Wells County, TX: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Jim Wells County, Texas reads moderate (27/100), in the lower-risk band nationally — #1808 nationally. More and more, it is the insurance bill rather than the mortgage that turns a Jim Wells County owner into a seller.

Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

A 96/100 construction-distress score means repair and replacement economics are working against affordability of coverage.

Because coverage pressure seldom acts alone, Jim Wells County's 27/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.

Underwriters read this county through flood first -- it is the recurring driver in the declaration history.

Hazard exposure of 52/100 alongside 0/100 in flood-claim stress is the combination that turns Jim Wells County owners into insurance-motivated sellers.

Jim Wells County's 27/100 is recomputed each month from federal hazard, claim and carrier filings, which is why its #1808 position shifts between updates.

Driving it: a FEMA hazard score of 52/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

Jim Wells County's 27/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Jim Wells County's score to on-the-ground foreclosure and ownership data. So the outreach lands while the owner is still weighing the renewal, not once the sign is up.