Smith County, TX: Home-Insurance Distress & Forced-Sale Pressure
Smith County, TX: 66/100 (elevated) home-insurance distress; Smith, TX band MEDIUM; Smith, TX #757 of 3,222 counties; Smith, TX #79 of 254 in Texas.
FEMA hazard, Smith, TX: 52/100; Smith, TX declarations, three years: 2; Smith, TX perils: 2 flood; Smith, TX five-year count 2 (severity 3.0); Smith, TX ten-year 2; hazard-weighted, Smith, TX: 4.0.
Declared incidents on the Smith, TX record: 2024 Flood 2 (Smith, TX).
NFIP claims, Smith, TX, three years: 19; Smith, TX payouts $575,513; per Smith, TX claim $30,290; Smith, TX claim-stress 86/100.
Smith, TX monthly score fell, 70 (March 2026) to 66 (October 2026); Smith, TX by month: March 70, April 70, May 69, June 69 (Smith, TX), July 67, August 66, September 66, October 66.
Smith, TX components: climate 52, NFIP claims 86; Smith, TX retreat index 66.
Construction distress, Smith, TX: 25/100 as of August 2026 (Smith, TX: 20/100 one-to-four unit, 82/100 multifamily).
Smith, TX ZIPs, June 2026 (Smith, TX, 16 highest): score 0 (Smith, TX), climate 83 (Smith, TX): 75701, 75702, 75703, 75704, Smith, TX 75705, 75706, 75707, 75708, Smith, TX 75709, 75711, 75750, 75762, Smith, TX 75771, 75791, 75792; score 0 (Smith, TX), climate 80 (Smith, TX): 75647.
DLRadar rescores Smith, TX monthly; Smith, TX readings join Smith, TX foreclosure, lien and ownership parcels (Smith, TX), so cost-squeezed Smith, TX owners surface before listing.
Inside Texas, Smith County ranks 79th of 254 counties for home-insurance distress at 66/100; Collin County (66/100) sits just above Smith County, and Llano County (65/100) sits just below Smith County.
Deterministic. Every Smith County, TX signal traces to a public Smith dataset (FEMA, NFIP, Census for Smith, TX) · how insurance distress works in Smith, TX · methodology
FAQ: Smith County, TX insurance distress
What is the Smith County, TX home-insurance-distress score?
Smith, TX: 66/100 (MEDIUM), #757 of 3,222, #79 in Texas. FEMA hazard, Smith, TX: 52/100; NFIP stress, Smith, TX: 86/100; construction, Smith, TX: 25/100; Smith, TX rescores monthly.
Is Smith County insurance distress getting better or worse (TX)?
Smith, TX: 70 in March 2026; Smith, TX: 66 in October 2026 (better); Smith, TX climate component 52; Smith, TX NFIP claims score 86.
How many flood-insurance claims has Smith County, TX had?
Smith, TX: 19 NFIP claims, three years; Smith, TX paid $575,513; per Smith, TX claim $30,290; carriers reprice Smith, TX against that record.
Which Smith County ZIP codes carry the most insurance distress (TX)?
Smith, TX, June 2026: 75701 at 0, 75702 at 0, 75703 at 0, 75704 at 0; Smith, TX climate scores there: 83, 83, 83, 83.
Why does Smith, TX insurance distress create sellers?
A Smith, TX premium outruns the Smith, TX budget; a carrier leaves Smith, TX; Smith, TX carrying cost passes plan; Smith, TX owners sell while current; Smith, TX insurance distress leads Smith, TX foreclosure data.