Refugio County, TX: Home-Insurance Distress & Forced-Sale Pressure
Refugio County, TX: 38/100 (moderate) home-insurance distress; Refugio, TX band LOW; Refugio, TX #1,399 of 3,222 counties; Refugio, TX #125 of 254 in Texas; raw Refugio, TX 44.4; Refugio, TX coverage multiplier 0.85.
FEMA hazard, Refugio, TX: 74/100; Refugio, TX declarations, three years: 2; Refugio, TX perils: 2 hurricane; Refugio, TX five-year count 2 (severity 3.0); Refugio, TX ten-year 2; hazard-weighted, Refugio, TX: 10.0.
Declared incidents on the Refugio, TX record: 2024 Hurricane 3 (Refugio, TX).
NFIP claims, Refugio, TX, three years: none; Refugio, TX claim-stress 0/100.
Refugio, TX monthly score fell, 40 (March 2026) to 38 (October 2026); Refugio, TX by month: March 40, April 40, May 40, June 40 (Refugio, TX), July 39, August 40, September 39, October 38.
Refugio, TX components: climate 74; Refugio, TX retreat index 38; Refugio, TX climate multiplier 0.85.
Construction distress, Refugio, TX: 91/100 as of August 2026 (Refugio, TX: 91/100 one-to-four unit, 0/100 multifamily).
Refugio, TX ZIPs, June 2026 (Refugio, TX, 5 highest): score 0 (Refugio, TX), climate 51 (Refugio, TX): 77950; score 0 (Refugio, TX), climate 41 (Refugio, TX): 77990; score 0 (Refugio, TX), climate 32 (Refugio, TX): 78340, 78377, 78393.
DLRadar rescores Refugio, TX monthly; Refugio, TX readings join Refugio, TX foreclosure, lien and ownership parcels (Refugio, TX), so cost-squeezed Refugio, TX owners surface before listing.
Inside Texas, Refugio County ranks 125th of 254 counties for home-insurance distress at 38/100; Lavaca County (38/100) sits just above Refugio County, and Caldwell County (37/100) sits just below Refugio County.
Deterministic. Every Refugio County, TX signal traces to a public Refugio dataset (FEMA, NFIP, Census for Refugio, TX) · how insurance distress works in Refugio, TX · methodology
FAQ: Refugio County, TX insurance distress
What is the Refugio County, TX home-insurance-distress score?
Refugio, TX: 38/100 (LOW), #1,399 of 3,222, #125 in Texas. FEMA hazard, Refugio, TX: 74/100; NFIP stress, Refugio, TX: 0/100; construction, Refugio, TX: 91/100; Refugio, TX rescores monthly.
Is Refugio County insurance distress getting better or worse (TX)?
Refugio, TX: 40 in March 2026; Refugio, TX: 38 in October 2026 (better); Refugio, TX climate component 74.
Which Refugio County ZIP codes carry the most insurance distress (TX)?
Refugio, TX, June 2026: 77950 at 0, 77990 at 0, 78340 at 0, 78377 at 0; Refugio, TX climate scores there: 51, 41, 32, 32.
Why does Refugio, TX insurance distress create sellers?
A Refugio, TX premium outruns the Refugio, TX budget; a carrier leaves Refugio, TX; Refugio, TX carrying cost passes plan; Refugio, TX owners sell while current; Refugio, TX insurance distress leads Refugio, TX foreclosure data.