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

DLRadar grades Jones County, Texas at 37/100 for home-insurance distress, a moderate level that places it #1318 of 3,222 counties, in the upper half of U.S. counties. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.

Behind the score sit a FEMA hazard score of 51/100; NFIP flood-claim stress of 16/100 over three years; 1 flood federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.

Jones County's 37/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

With 1 flood claims and $0 in payouts on the three-year record, Jones County gives underwriters a concrete reason to reprice or exit.

Jones County re-scores on every fresh federal and carrier filing, so the number reflects today's coverage environment, not a frozen snapshot.

Because coverage pressure seldom acts alone, Jones County's 37/100 is cross-checked against foreclosure filings, liens and ownership churn to isolate the truly insurance-driven sellers.

Construction distress sits at 82/100, so the replacement cost insurers underwrite against is elevated here.

The gap between physical hazard (51/100) and realized flood losses (16/100) is what DLRadar watches to flag insurance-driven sellers in Jones County.

Flood is the dominant declared hazard here, which shapes how carriers underwrite the county.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. The result is early access to owners whose trigger is insurance rather than default.