Live Oak County, TX: Home-Insurance Distress & Forced-Sale Pressure
Live Oak County, TX: 35/100 (moderate) home-insurance distress; Live Oak, TX band LOW; Live Oak, TX #1,493 of 3,222 counties; Live Oak, TX #138 of 254 in Texas; raw Live Oak, TX 46.9; Live Oak, TX coverage multiplier 0.85.
FEMA hazard, Live Oak, TX: 68/100; Live Oak, TX declarations, three years: 6; Live Oak, TX perils: 4 flood; hazard-weighted, Live Oak, TX: 12.0.
Declared incidents on the Live Oak, TX record: 2026 Flood 4 (Live Oak, TX).
NFIP claims, Live Oak, TX, three years: none; Live Oak, TX claim-stress 0/100.
Live Oak, TX monthly score rose, 0 (March 2026) to 35 (October 2026); Live Oak, TX by month: March 0, April 0, May 0, June 0 (Live Oak, TX), July 27, August 26, September 27, October 35.
Live Oak, TX components: climate 68; Live Oak, TX retreat index 35; Live Oak, TX climate multiplier 0.85.
Construction distress, Live Oak, TX: 52/100 as of August 2026 (Live Oak, TX: 52/100 one-to-four unit, 10/100 multifamily).
Live Oak, TX ZIPs, June 2026 (Live Oak, TX, 10 highest): score 0 (Live Oak, TX), climate 72 (Live Oak, TX): 78372; score 0 (Live Oak, TX), climate 66 (Live Oak, TX): 78368; score 0 (Live Oak, TX), climate 56 (Live Oak, TX): 78102; score 0 (Live Oak, TX), climate 52 (Live Oak, TX): 78008; score 0 (Live Oak, TX), climate 50 (Live Oak, TX): 78119; score 0 (Live Oak, TX), climate 49 (Live Oak, TX): 78118, 78383; score 0 (Live Oak, TX), climate 27 (Live Oak, TX): 78075; score 0 (Live Oak, TX), climate 26 (Live Oak, TX): 78071; score 0 (Live Oak, TX), climate 25 (Live Oak, TX): 78022.
DLRadar rescores Live Oak, TX monthly; Live Oak, TX readings join Live Oak, TX foreclosure, lien and ownership parcels (Live Oak, TX), so cost-squeezed Live Oak, TX owners surface before listing.
Inside Texas, Live Oak County ranks 138th of 254 counties for home-insurance distress at 35/100; Hutchinson County (35/100) sits just above Live Oak County, and Terrell County (35/100) sits just below Live Oak County.
Deterministic. Every Live Oak County, TX signal traces to a public Live Oak dataset (FEMA, NFIP, Census for Live Oak, TX) · how insurance distress works in Live Oak, TX · methodology
FAQ: Live Oak County, TX insurance distress
What is the Live Oak County, TX home-insurance-distress score?
Live Oak, TX: 35/100 (LOW), #1,493 of 3,222, #138 in Texas. FEMA hazard, Live Oak, TX: 68/100; NFIP stress, Live Oak, TX: 0/100; construction, Live Oak, TX: 52/100; Live Oak, TX rescores monthly.
Is Live Oak County insurance distress getting better or worse (TX)?
Live Oak, TX: 0 in March 2026; Live Oak, TX: 35 in October 2026 (worse); Live Oak, TX climate component 68.
Which Live Oak County ZIP codes carry the most insurance distress (TX)?
Live Oak, TX, June 2026: 78372 at 0, 78368 at 0, 78102 at 0, 78008 at 0; Live Oak, TX climate scores there: 72, 66, 56, 52.
Why does Live Oak, TX insurance distress create sellers?
A Live Oak, TX premium outruns the Live Oak, TX budget; a carrier leaves Live Oak, TX; Live Oak, TX carrying cost passes plan; Live Oak, TX owners sell while current; Live Oak, TX insurance distress leads Live Oak, TX foreclosure data.