Montgomery County, TX: Home-Insurance Distress & Forced-Sale Pressure
Montgomery County, TX: 96/100 (severe) home-insurance distress; Montgomery, TX band HIGH; Montgomery, TX #22 of 3,222 counties; Montgomery, TX #1 of 254 in Texas.
FEMA hazard, Montgomery, TX: 95/100; Montgomery, TX declarations, three years: 9; Montgomery, TX perils: 3 hurricane, 3 flood, 3 fire; Montgomery, TX five-year count 6 (severity 10.0); Montgomery, TX ten-year 6; hazard-weighted, Montgomery, TX: 27.0.
Declared incidents on the Montgomery, TX record: 2025 Fire 2; 2024 Hurricane 2 (Montgomery, TX); 2024 Flood 2 (Montgomery, TX).
NFIP claims, Montgomery, TX, three years: 549; Montgomery, TX payouts $38,249,034; per Montgomery, TX claim $69,670; Montgomery, TX claim-stress 98/100.
Montgomery, TX monthly score held, 92 (March 2026) to 92 (October 2026); Montgomery, TX by month: March 92, April 92, May 95, June 95 (Montgomery, TX), July 93, August 95, September 94, October 92.
Montgomery, TX components: climate 88, NFIP claims 98; Montgomery, TX retreat index 92.
Construction distress, Montgomery, TX: 69/100 as of August 2026 (Montgomery, TX: 62/100 one-to-four unit, 99/100 multifamily).
Montgomery, TX ZIPs, June 2026 (Montgomery, TX, 16 highest): score 0 (Montgomery, TX), climate 99 (Montgomery, TX): 77339; score 0 (Montgomery, TX), climate 96 (Montgomery, TX): 77301, 77302, 77303, 77304, Montgomery, TX 77306, 77318, 77354, 77362, Montgomery, TX 77365, 77380, 77381, 77382, Montgomery, TX 77384, 77385, 77386.
DLRadar rescores Montgomery, TX monthly; Montgomery, TX readings join Montgomery, TX foreclosure, lien and ownership parcels (Montgomery, TX), so cost-squeezed Montgomery, TX owners surface before listing.
Inside Texas, Montgomery County ranks 1st of 254 counties for home-insurance distress at 96/100; San Jacinto County (95/100) sits just below Montgomery County.
Deterministic. Every Montgomery County, TX signal traces to a public Montgomery dataset (FEMA, NFIP, Census for Montgomery, TX) · how insurance distress works in Montgomery, TX · methodology
FAQ: Montgomery County, TX insurance distress
What is the Montgomery County, TX home-insurance-distress score?
Montgomery, TX: 96/100 (HIGH), #22 of 3,222, #1 in Texas. FEMA hazard, Montgomery, TX: 95/100; NFIP stress, Montgomery, TX: 98/100; construction, Montgomery, TX: 69/100; Montgomery, TX rescores monthly.
Is Montgomery County insurance distress getting better or worse (TX)?
Montgomery, TX: 92 in March 2026; Montgomery, TX: 92 in October 2026 (unchanged); Montgomery, TX climate component 88; Montgomery, TX NFIP claims score 98.
How many flood-insurance claims has Montgomery County, TX had?
Montgomery, TX: 549 NFIP claims, three years; Montgomery, TX paid $38,249,034; per Montgomery, TX claim $69,670; carriers reprice Montgomery, TX against that record.
Which Montgomery County ZIP codes carry the most insurance distress (TX)?
Montgomery, TX, June 2026: 77339 at 0, 77301 at 0, 77302 at 0, 77303 at 0; Montgomery, TX climate scores there: 99, 96, 96, 96.
Why does Montgomery, TX insurance distress create sellers?
A Montgomery, TX premium outruns the Montgomery, TX budget; a carrier leaves Montgomery, TX; Montgomery, TX carrying cost passes plan; Montgomery, TX owners sell while current; Montgomery, TX insurance distress leads Montgomery, TX foreclosure data.