Lavaca County, TX: Home-Insurance Distress & Forced-Sale Pressure
Lavaca County, TX: 38/100 (moderate) home-insurance distress; Lavaca, TX band LOW; Lavaca, TX #1,398 of 3,222 counties; Lavaca, TX #124 of 254 in Texas; raw Lavaca, TX 44.4; Lavaca, TX coverage multiplier 0.85.
FEMA hazard, Lavaca, TX: 74/100; Lavaca, TX declarations, three years: 2; Lavaca, TX perils: 2 hurricane; Lavaca, TX five-year count 2 (severity 3.0); Lavaca, TX ten-year 2; hazard-weighted, Lavaca, TX: 10.0.
Declared incidents on the Lavaca, TX record: 2024 Hurricane 2 (Lavaca, TX).
NFIP claims, Lavaca, TX, three years: none; Lavaca, TX claim-stress 0/100.
Lavaca, TX monthly score fell, 40 (March 2026) to 37 (October 2026); Lavaca, TX by month: March 40, April 40, May 40, June 40 (Lavaca, TX), July 39, August 40, September 39, October 37.
Lavaca, TX components: climate 73; Lavaca, TX retreat index 37; Lavaca, TX climate multiplier 0.85.
Construction distress, Lavaca, TX: 69/100 as of August 2026 (Lavaca, TX: 64/100 one-to-four unit, 8/100 multifamily).
Lavaca, TX ZIPs, June 2026 (Lavaca, TX, 8 highest): score 0 (Lavaca, TX), climate 79 (Lavaca, TX): 77984, 77995; score 0 (Lavaca, TX), climate 77 (Lavaca, TX): 77964, 77975, 77986, 77987; score 0 (Lavaca, TX), climate 62 (Lavaca, TX): 78956; score 0 (Lavaca, TX), climate 61 (Lavaca, TX): 78941.
DLRadar rescores Lavaca, TX monthly; Lavaca, TX readings join Lavaca, TX foreclosure, lien and ownership parcels (Lavaca, TX), so cost-squeezed Lavaca, TX owners surface before listing.
Inside Texas, Lavaca County ranks 124th of 254 counties for home-insurance distress at 38/100; Kenedy County (38/100) sits just above Lavaca County, and Refugio County (38/100) sits just below Lavaca County.
Deterministic. Every Lavaca County, TX signal traces to a public Lavaca dataset (FEMA, NFIP, Census for Lavaca, TX) · how insurance distress works in Lavaca, TX · methodology
FAQ: Lavaca County, TX insurance distress
What is the Lavaca County, TX home-insurance-distress score?
Lavaca, TX: 38/100 (LOW), #1,398 of 3,222, #124 in Texas. FEMA hazard, Lavaca, TX: 74/100; NFIP stress, Lavaca, TX: 0/100; construction, Lavaca, TX: 69/100; Lavaca, TX rescores monthly.
Is Lavaca County insurance distress getting better or worse (TX)?
Lavaca, TX: 40 in March 2026; Lavaca, TX: 37 in October 2026 (better); Lavaca, TX climate component 73.
Which Lavaca County ZIP codes carry the most insurance distress (TX)?
Lavaca, TX, June 2026: 77984 at 0, 77995 at 0, 77964 at 0, 77975 at 0; Lavaca, TX climate scores there: 79, 79, 77, 77.
Why does Lavaca, TX insurance distress create sellers?
A Lavaca, TX premium outruns the Lavaca, TX budget; a carrier leaves Lavaca, TX; Lavaca, TX carrying cost passes plan; Lavaca, TX owners sell while current; Lavaca, TX insurance distress leads Lavaca, TX foreclosure data.