Liberty County, TX: Home-Insurance Distress & Forced-Sale Pressure
Liberty County, TX: 89/100 (severe) home-insurance distress; Liberty, TX band HIGH; Liberty, TX #116 of 3,222 counties; Liberty, TX #5 of 254 in Texas.
FEMA hazard, Liberty, TX: 84/100; Liberty, TX declarations, three years: 4; Liberty, TX perils: 2 hurricane, 2 flood; Liberty, TX five-year count 4 (severity 6.0); Liberty, TX ten-year 4; hazard-weighted, Liberty, TX: 14.0.
Declared incidents on the Liberty, TX record: 2024 Hurricane 2; 2024 Flood 2 (Liberty, TX).
NFIP claims, Liberty, TX, three years: 148; Liberty, TX payouts $10,648,231; per Liberty, TX claim $71,948; Liberty, TX claim-stress 97/100.
Liberty, TX monthly score rose, 88 (March 2026) to 89 (October 2026); Liberty, TX by month: March 88, April 88, May 92, June 92 (Liberty, TX), July 90, August 92, September 90, October 89.
Liberty, TX components: climate 83, NFIP claims 97; Liberty, TX retreat index 89.
Construction distress, Liberty, TX: 74/100 as of August 2026 (Liberty, TX: 74/100 one-to-four unit, 16/100 multifamily).
Liberty, TX ZIPs, June 2026 (Liberty, TX, 15 highest): score 0 (Liberty, TX), climate 95 (Liberty, TX): 77357; score 0 (Liberty, TX), climate 94 (Liberty, TX): 77372; score 0 (Liberty, TX), climate 90 (Liberty, TX): 77629; score 0 (Liberty, TX), climate 77 (Liberty, TX): 77327, 77368, 77369, 77533, Liberty, TX 77535, 77538, 77561, 77575, Liberty, TX 77582; score 0 (Liberty, TX), climate 75 (Liberty, TX): 77564; score 0 (Liberty, TX), climate 65 (Liberty, TX): 77328; score 0 (Liberty, TX), climate 54 (Liberty, TX): 77371.
DLRadar rescores Liberty, TX monthly; Liberty, TX readings join Liberty, TX foreclosure, lien and ownership parcels (Liberty, TX), so cost-squeezed Liberty, TX owners surface before listing.
Inside Texas, Liberty County ranks 5th of 254 counties for home-insurance distress at 89/100; Walker County (89/100) sits just above Liberty County, and Hidalgo County (89/100) sits just below Liberty County.
Deterministic. Every Liberty County, TX signal traces to a public Liberty dataset (FEMA, NFIP, Census for Liberty, TX) · how insurance distress works in Liberty, TX · methodology
FAQ: Liberty County, TX insurance distress
What is the Liberty County, TX home-insurance-distress score?
Liberty, TX: 89/100 (HIGH), #116 of 3,222, #5 in Texas. FEMA hazard, Liberty, TX: 84/100; NFIP stress, Liberty, TX: 97/100; construction, Liberty, TX: 74/100; Liberty, TX rescores monthly.
Is Liberty County insurance distress getting better or worse (TX)?
Liberty, TX: 88 in March 2026; Liberty, TX: 89 in October 2026 (worse); Liberty, TX climate component 83; Liberty, TX NFIP claims score 97.
How many flood-insurance claims has Liberty County, TX had?
Liberty, TX: 148 NFIP claims, three years; Liberty, TX paid $10,648,231; per Liberty, TX claim $71,948; carriers reprice Liberty, TX against that record.
Which Liberty County ZIP codes carry the most insurance distress (TX)?
Liberty, TX, June 2026: 77357 at 0, 77372 at 0, 77629 at 0, 77327 at 0; Liberty, TX climate scores there: 95, 94, 90, 77.
Why does Liberty, TX insurance distress create sellers?
A Liberty, TX premium outruns the Liberty, TX budget; a carrier leaves Liberty, TX; Liberty, TX carrying cost passes plan; Liberty, TX owners sell while current; Liberty, TX insurance distress leads Liberty, TX foreclosure data.