Refugio County, TX: Home-Insurance Distress & Forced-Sale Pressure
Refugio County, Texas carries a moderate home-insurance-distress reading of 40/100 — ranked #1272 nationally, in the upper half of U.S. counties. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.
With construction distress at 90/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
A 78/100 hazard base sitting alongside 0/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.
Most of the federal disaster activity on file is hurricane, and that is the peril shaping renewal terms locally.
On its own 40/100 is half a picture, so Refugio County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
The pressure here is driven by a FEMA hazard score of 78/100; NFIP flood-claim stress of 0/100 over three years; 1 hurricane federal disaster declaration in three years — the exposures carriers price against and increasingly decline to renew.
The Refugio County reading is not static - monthly FEMA, NFIP and carrier updates re-score it so it tracks the current renewal season rather than an average.
A moderate level of 40/100 in Refugio County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.
Three years of NFIP activity in Refugio County comes to 0 claims worth $0, and that ledger is what carriers price against.
The nationwide monthly build covers all 3,222 counties and connects Refugio County reading to real foreclosure, tax-lien and ownership records. The result is early access to owners whose trigger is insurance rather than default.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Refugio County insurance distress — FAQ
How bad is home-insurance distress in Refugio County, Texas?
Refugio County scores 40/100 for home-insurance distress (LOW), ranking #1272 of the 3,222 U.S. counties DLRadar scores. The reading is built from FEMA hazard exposure (78/100), NFIP flood-claim stress (0/100) and carrier pressure, updated monthly from public federal data.
What does the flood-loss record look like in Refugio County?
Refugio County recorded 0 NFIP flood claims over the trailing three years, with $0 paid -- the loss record carriers price against.
Why is insurance distress a leading signal in Refugio County?
Carriers repricing or withdrawing from Refugio County push total cost of ownership up without warning. Affected owners frequently sell pre-emptively, which is precisely the window DLRadar is trying to catch.