Milam County, TX: Home-Insurance Distress & Forced-Sale Pressure
Milam County, TX: 43/100 (moderate) home-insurance distress; Milam, TX band MEDIUM; Milam, TX #1,282 of 3,222 counties; Milam, TX #108 of 254 in Texas; raw Milam, TX 54.7; Milam, TX coverage multiplier 0.85.
FEMA hazard, Milam, TX: 84/100; Milam, TX declarations, three years: 6; Milam, TX perils: 2 hurricane, 2 flood; Milam, TX five-year count 6 (severity 8.0); Milam, TX ten-year 6; hazard-weighted, Milam, TX: 21.0.
Declared incidents on the Milam, TX record: 2024 Hurricane 2; 2024 Flood 2 (Milam, TX); 2023 Winter Storm 2 (Milam, TX).
NFIP claims, Milam, TX, three years: none; Milam, TX claim-stress 0/100.
Milam, TX monthly score held, 42 (March 2026) to 42 (October 2026); Milam, TX by month: March 42, April 42, May 46, June 46 (Milam, TX), July 43, August 45, September 44, October 42.
Milam, TX components: climate 83; Milam, TX retreat index 42; Milam, TX climate multiplier 0.85.
Construction distress, Milam, TX: 39/100 as of August 2026 (Milam, TX: 38/100 one-to-four unit, 20/100 multifamily).
Milam, TX ZIPs, June 2026 (Milam, TX, 14 highest): score 0 (Milam, TX), climate 91 (Milam, TX): 76578; score 0 (Milam, TX), climate 89 (Milam, TX): 76511, 76534; score 0 (Milam, TX), climate 80 (Milam, TX): 76569; score 0 (Milam, TX), climate 58 (Milam, TX): 76519; score 0 (Milam, TX), climate 55 (Milam, TX): 76577; score 0 (Milam, TX), climate 51 (Milam, TX): 76518, 76520, 76523, 76556, Milam, TX 77857; score 0 (Milam, TX), climate 49 (Milam, TX): 76567; score 0 (Milam, TX), climate 32 (Milam, TX): 76570; score 0 (Milam, TX), climate 27 (Milam, TX): 77836.
DLRadar rescores Milam, TX monthly; Milam, TX readings join Milam, TX foreclosure, lien and ownership parcels (Milam, TX), so cost-squeezed Milam, TX owners surface before listing.
Inside Texas, Milam County ranks 108th of 254 counties for home-insurance distress at 43/100; Lee County (43/100) sits just above Milam County, and Morris County (43/100) sits just below Milam County.
Deterministic. Every Milam County, TX signal traces to a public Milam dataset (FEMA, NFIP, Census for Milam, TX) · how insurance distress works in Milam, TX · methodology
FAQ: Milam County, TX insurance distress
What is the Milam County, TX home-insurance-distress score?
Milam, TX: 43/100 (MEDIUM), #1,282 of 3,222, #108 in Texas. FEMA hazard, Milam, TX: 84/100; NFIP stress, Milam, TX: 0/100; construction, Milam, TX: 39/100; Milam, TX rescores monthly.
Is Milam County insurance distress getting better or worse (TX)?
Milam, TX: 42 in March 2026; Milam, TX: 42 in October 2026 (unchanged); Milam, TX climate component 83.
Which Milam County ZIP codes carry the most insurance distress (TX)?
Milam, TX, June 2026: 76578 at 0, 76511 at 0, 76534 at 0, 76569 at 0; Milam, TX climate scores there: 91, 89, 89, 80.
Why does Milam, TX insurance distress create sellers?
A Milam, TX premium outruns the Milam, TX budget; a carrier leaves Milam, TX; Milam, TX carrying cost passes plan; Milam, TX owners sell while current; Milam, TX insurance distress leads Milam, TX foreclosure data.