Mills County, TX: Home-Insurance Distress & Forced-Sale Pressure
Mills County, TX: 27/100 (moderate) home-insurance distress; Mills, TX band LOW; Mills, TX #1,823 of 3,222 counties; Mills, TX #157 of 254 in Texas; raw Mills, TX 35.3; Mills, TX coverage multiplier 0.85.
FEMA hazard, Mills, TX: 52/100; Mills, TX declarations, three years: 3; Mills, TX perils: 2 flood; Mills, TX five-year count 2 (severity 3.0); Mills, TX ten-year 2; hazard-weighted, Mills, TX: 6.0.
Declared incidents on the Mills, TX record: 2024 Flood 2 (Mills, TX).
NFIP claims, Mills, TX, three years: none; Mills, TX claim-stress 0/100.
Mills, TX monthly score fell, 30 (March 2026) to 26 (October 2026); Mills, TX by month: March 30, April 30, May 30, June 30 (Mills, TX), July 27, August 26, September 27, October 26.
Mills, TX components: climate 52; Mills, TX retreat index 26; Mills, TX climate multiplier 0.85.
Construction distress, Mills, TX: 10/100 as of August 2026 (Mills, TX: 14/100 one-to-four unit, 5/100 multifamily).
Mills, TX ZIPs, June 2026 (Mills, TX, 9 highest): score 0 (Mills, TX), climate 59 (Mills, TX): 76801; score 0 (Mills, TX), climate 50 (Mills, TX): 76890; score 0 (Mills, TX), climate 41 (Mills, TX): 76442; score 0 (Mills, TX), climate 25 (Mills, TX): 76853; score 0 (Mills, TX), climate 13 (Mills, TX): 76531; score 0 (Mills, TX), climate 5 (Mills, TX): 76844; score 0 (Mills, TX), climate 4 (Mills, TX): 76864, 76870, 76880.
DLRadar rescores Mills, TX monthly; Mills, TX readings join Mills, TX foreclosure, lien and ownership parcels (Mills, TX), so cost-squeezed Mills, TX owners surface before listing.
Inside Texas, Mills County ranks 166th of 254 counties for home-insurance distress at 27/100; Mcmullen County (27/100) sits just above Mills County, and Moore County (27/100) sits just below Mills County.
Deterministic. Every Mills County, TX signal traces to a public Mills dataset (FEMA, NFIP, Census for Mills, TX) · how insurance distress works in Mills, TX · methodology
FAQ: Mills County, TX insurance distress
What is the Mills County, TX home-insurance-distress score?
Mills, TX: 27/100 (LOW), #1,823 of 3,222, #157 in Texas. FEMA hazard, Mills, TX: 52/100; NFIP stress, Mills, TX: 0/100; construction, Mills, TX: 10/100; Mills, TX rescores monthly.
Is Mills County insurance distress getting better or worse (TX)?
Mills, TX: 30 in March 2026; Mills, TX: 26 in October 2026 (better); Mills, TX climate component 52.
Which Mills County ZIP codes carry the most insurance distress (TX)?
Mills, TX, June 2026: 76801 at 0, 76890 at 0, 76442 at 0, 76853 at 0; Mills, TX climate scores there: 59, 50, 41, 25.
Why does Mills, TX insurance distress create sellers?
A Mills, TX premium outruns the Mills, TX budget; a carrier leaves Mills, TX; Mills, TX carrying cost passes plan; Mills, TX owners sell while current; Mills, TX insurance distress leads Mills, TX foreclosure data.