Rains County, TX: Home-Insurance Distress & Forced-Sale Pressure
Rains County, TX: 27/100 (moderate) home-insurance distress; Rains, TX band LOW; Rains, TX #1,826 of 3,222 counties; Rains, TX #160 of 254 in Texas; raw Rains, TX 35.3; Rains, TX coverage multiplier 0.85.
FEMA hazard, Rains, TX: 52/100; Rains, TX declarations, three years: 3; Rains, TX perils: 2 flood; Rains, TX five-year count 2 (severity 3.0); Rains, TX ten-year 2; hazard-weighted, Rains, TX: 6.0.
Declared incidents on the Rains, TX record: 2024 Flood 2 (Rains, TX).
NFIP claims, Rains, TX, three years: none; Rains, TX claim-stress 0/100.
Rains, TX monthly score fell, 30 (March 2026) to 26 (October 2026); Rains, TX by month: March 30, April 30, May 30, June 30 (Rains, TX), July 27, August 26, September 27, October 26.
Rains, TX components: climate 52; Rains, TX retreat index 26; Rains, TX climate multiplier 0.85.
Construction distress, Rains, TX: 94/100 as of August 2026 (Rains, TX: 96/100 one-to-four unit, 56/100 multifamily).
Rains, TX ZIPs, June 2026 (Rains, TX, 6 highest): score 0 (Rains, TX), climate 70 (Rains, TX): 75420, 75453; score 0 (Rains, TX), climate 60 (Rains, TX): 75497; score 0 (Rains, TX), climate 39 (Rains, TX): 75410; score 0 (Rains, TX), climate 16 (Rains, TX): 75440; score 0 (Rains, TX), climate 15 (Rains, TX): 75472.
DLRadar rescores Rains, TX monthly; Rains, TX readings join Rains, TX foreclosure, lien and ownership parcels (Rains, TX), so cost-squeezed Rains, TX owners surface before listing.
Inside Texas, Rains County ranks 169th of 254 counties for home-insurance distress at 27/100; Pecos County (27/100) sits just above Rains County, and Red River County (27/100) sits just below Rains County.
Deterministic. Every Rains County, TX signal traces to a public Rains dataset (FEMA, NFIP, Census for Rains, TX) · how insurance distress works in Rains, TX · methodology
FAQ: Rains County, TX insurance distress
What is the Rains County, TX home-insurance-distress score?
Rains, TX: 27/100 (LOW), #1,826 of 3,222, #160 in Texas. FEMA hazard, Rains, TX: 52/100; NFIP stress, Rains, TX: 0/100; construction, Rains, TX: 94/100; Rains, TX rescores monthly.
Is Rains County insurance distress getting better or worse (TX)?
Rains, TX: 30 in March 2026; Rains, TX: 26 in October 2026 (better); Rains, TX climate component 52.
Which Rains County ZIP codes carry the most insurance distress (TX)?
Rains, TX, June 2026: 75420 at 0, 75453 at 0, 75497 at 0, 75410 at 0; Rains, TX climate scores there: 70, 70, 60, 39.
Why does Rains, TX insurance distress create sellers?
A Rains, TX premium outruns the Rains, TX budget; a carrier leaves Rains, TX; Rains, TX carrying cost passes plan; Rains, TX owners sell while current; Rains, TX insurance distress leads Rains, TX foreclosure data.