Polk County, TX: Home-Insurance Distress & Forced-Sale Pressure
Polk County, TX: 88/100 (severe) home-insurance distress; Polk, TX band HIGH; Polk, TX #135 of 3,222 counties; Polk, TX #7 of 254 in Texas.
FEMA hazard, Polk, TX: 84/100; Polk, TX declarations, three years: 4; Polk, TX perils: 2 hurricane, 2 flood; Polk, TX five-year count 4 (severity 6.0); Polk, TX ten-year 4; hazard-weighted, Polk, TX: 14.0.
Declared incidents on the Polk, TX record: 2024 Hurricane 2; 2024 Flood 2 (Polk, TX).
NFIP claims, Polk, TX, three years: 73; Polk, TX payouts $4,109,889; per Polk, TX claim $56,300; Polk, TX claim-stress 95/100.
Polk, TX monthly score rose, 87 (March 2026) to 88 (October 2026); Polk, TX by month: March 87, April 87, May 91, June 91 (Polk, TX), July 89, August 91, September 89, October 88.
Polk, TX components: climate 83, NFIP claims 95; Polk, TX retreat index 88.
Construction distress, Polk, TX: 53/100 as of August 2026 (Polk, TX: 53/100 one-to-four unit, 0/100 multifamily).
Polk, TX ZIPs, June 2026 (Polk, TX, 9 highest): score 0 (Polk, TX), climate 71 (Polk, TX): 75934, 75939, 75960, 77326, Polk, TX 77335, 77350, 77351, 77360; score 0 (Polk, TX), climate 58 (Polk, TX): 75936.
DLRadar rescores Polk, TX monthly; Polk, TX readings join Polk, TX foreclosure, lien and ownership parcels (Polk, TX), so cost-squeezed Polk, TX owners surface before listing.
Inside Texas, Polk County ranks 7th of 254 counties for home-insurance distress at 88/100; Hidalgo County (89/100) sits just above Polk County, and Harris County (88/100) sits just below Polk County.
Deterministic. Every Polk County, TX signal traces to a public Polk dataset (FEMA, NFIP, Census for Polk, TX) · how insurance distress works in Polk, TX · methodology
FAQ: Polk County, TX insurance distress
What is the Polk County, TX home-insurance-distress score?
Polk, TX: 88/100 (HIGH), #135 of 3,222, #7 in Texas. FEMA hazard, Polk, TX: 84/100; NFIP stress, Polk, TX: 95/100; construction, Polk, TX: 53/100; Polk, TX rescores monthly.
Is Polk County insurance distress getting better or worse (TX)?
Polk, TX: 87 in March 2026; Polk, TX: 88 in October 2026 (worse); Polk, TX climate component 83; Polk, TX NFIP claims score 95.
How many flood-insurance claims has Polk County, TX had?
Polk, TX: 73 NFIP claims, three years; Polk, TX paid $4,109,889; per Polk, TX claim $56,300; carriers reprice Polk, TX against that record.
Which Polk County ZIP codes carry the most insurance distress (TX)?
Polk, TX, June 2026: 75934 at 0, 75939 at 0, 75960 at 0, 77326 at 0; Polk, TX climate scores there: 71, 71, 71, 71.
Why does Polk, TX insurance distress create sellers?
A Polk, TX premium outruns the Polk, TX budget; a carrier leaves Polk, TX; Polk, TX carrying cost passes plan; Polk, TX owners sell while current; Polk, TX insurance distress leads Polk, TX foreclosure data.