Kerr County, TX: Home-Insurance Distress & Forced-Sale Pressure
Kerr County, TX: 86/100 (severe) home-insurance distress; Kerr, TX band HIGH; Kerr, TX #193 of 3,222 counties; Kerr, TX #13 of 254 in Texas.
FEMA hazard, Kerr, TX: 78/100; Kerr, TX declarations, three years: 6; Kerr, TX perils: 6 flood; Kerr, TX five-year count 4 (severity 6.0); Kerr, TX ten-year 4; hazard-weighted, Kerr, TX: 12.0.
Declared incidents on the Kerr, TX record: 2026 Flood 4; 2025 Flood 2 (Kerr, TX); 2023 Winter Storm 2 (Kerr, TX).
NFIP claims, Kerr, TX, three years: 192; Kerr, TX payouts $19,928,651; per Kerr, TX claim $103,795; Kerr, TX claim-stress 99/100.
Kerr, TX monthly score rose, 75 (March 2026) to 86 (October 2026); Kerr, TX by month: March 75, April 75, May 74, June 74 (Kerr, TX), July 82, August 82, September 87, October 86.
Kerr, TX components: climate 77, NFIP claims 99; Kerr, TX retreat index 86.
Construction distress, Kerr, TX: 26/100 as of August 2026 (Kerr, TX: 36/100 one-to-four unit, 17/100 multifamily).
Kerr, TX ZIPs, June 2026 (Kerr, TX, 11 highest): score 0 (Kerr, TX), climate 73 (Kerr, TX): 78010, 78025, 78029; score 0 (Kerr, TX), climate 71 (Kerr, TX): 78024; score 0 (Kerr, TX), climate 70 (Kerr, TX): 78013, 78028; score 0 (Kerr, TX), climate 65 (Kerr, TX): 78058; score 0 (Kerr, TX), climate 61 (Kerr, TX): 78055, 78063; score 0 (Kerr, TX), climate 42 (Kerr, TX): 78631; score 0 (Kerr, TX), climate 27 (Kerr, TX): 76849.
DLRadar rescores Kerr, TX monthly; Kerr, TX readings join Kerr, TX foreclosure, lien and ownership parcels (Kerr, TX), so cost-squeezed Kerr, TX owners surface before listing.
Inside Texas, Kerr County ranks 13th of 254 counties for home-insurance distress at 86/100; Bowie County (86/100) sits just above Kerr County, and Willacy County (86/100) sits just below Kerr County.
Deterministic. Every Kerr County, TX signal traces to a public Kerr dataset (FEMA, NFIP, Census for Kerr, TX) · how insurance distress works in Kerr, TX · methodology
FAQ: Kerr County, TX insurance distress
What is the Kerr County, TX home-insurance-distress score?
Kerr, TX: 86/100 (HIGH), #193 of 3,222, #13 in Texas. FEMA hazard, Kerr, TX: 78/100; NFIP stress, Kerr, TX: 99/100; construction, Kerr, TX: 26/100; Kerr, TX rescores monthly.
Is Kerr County insurance distress getting better or worse (TX)?
Kerr, TX: 75 in March 2026; Kerr, TX: 86 in October 2026 (worse); Kerr, TX climate component 77; Kerr, TX NFIP claims score 99.
How many flood-insurance claims has Kerr County, TX had?
Kerr, TX: 192 NFIP claims, three years; Kerr, TX paid $19,928,651; per Kerr, TX claim $103,795; carriers reprice Kerr, TX against that record.
Which Kerr County ZIP codes carry the most insurance distress (TX)?
Kerr, TX, June 2026: 78010 at 0, 78025 at 0, 78029 at 0, 78024 at 0; Kerr, TX climate scores there: 73, 73, 73, 71.
Why does Kerr, TX insurance distress create sellers?
A Kerr, TX premium outruns the Kerr, TX budget; a carrier leaves Kerr, TX; Kerr, TX carrying cost passes plan; Kerr, TX owners sell while current; Kerr, TX insurance distress leads Kerr, TX foreclosure data.