Pecos County, TX: Home-Insurance Distress & Forced-Sale Pressure

Insurance distress in Pecos County, Texas reads moderate (26/100), in the lower-risk band nationally — #1862 nationally. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

Behind the score sit a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.

With 0 flood claims and $0 in payouts on the three-year record, Pecos County gives underwriters a concrete reason to reprice or exit.

Underwriters read this county through flood first -- it is the recurring driver in the declaration history.

DLRadar does not treat 26/100 as a standalone number — the Pecos County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

Pecos County's 26/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

Rebuilding is expensive in this market -- 0/100 on construction distress -- and coverage is priced off exactly that number.

Physical exposure at 51/100 and claim experience at 0/100 together mark Pecos County as a market where coverage, not the mortgage, forces the sale.

Each month new hazard revisions and claim settlements refresh Pecos County, keeping its insurance-distress score aligned with the live market.

The nationwide monthly build covers all 3,222 counties and connects Pecos County reading to real foreclosure, tax-lien and ownership records. That is how coverage-pressured owners surface before they reach the open market.