Sterling County, TX: Home-Insurance Distress & Forced-Sale Pressure
Sterling County, TX: 27/100 (moderate) home-insurance distress; Sterling, TX band LOW; Sterling, TX #1,830 of 3,222 counties; Sterling, TX #173 of 254 in Texas; raw Sterling, TX 31.2; Sterling, TX coverage multiplier 0.85.
FEMA hazard, Sterling, TX: 52/100; Sterling, TX declarations, three years: 2; Sterling, TX perils: 2 flood; Sterling, TX five-year count 2 (severity 3.0); Sterling, TX ten-year 2; hazard-weighted, Sterling, TX: 4.0.
Declared incidents on the Sterling, TX record: 2024 Flood 2 (Sterling, TX).
NFIP claims, Sterling, TX, three years: none; Sterling, TX claim-stress 0/100.
Sterling, TX monthly score fell, 30 (March 2026) to 26 (October 2026); Sterling, TX by month: March 30, April 30, May 30, June 30 (Sterling, TX), July 27, August 26, September 27, October 26.
Sterling, TX components: climate 52; Sterling, TX retreat index 26; Sterling, TX climate multiplier 0.85.
Construction distress, Sterling, TX: 1/100 as of August 2026 (Sterling, TX: 1/100 one-to-four unit, 0/100 multifamily).
Sterling, TX ZIPs, June 2026 (Sterling, TX, 2 highest): score 0 (Sterling, TX), climate 6 (Sterling, TX): 76945; score 0 (Sterling, TX), climate 1 (Sterling, TX): 76951.
DLRadar rescores Sterling, TX monthly; Sterling, TX readings join Sterling, TX foreclosure, lien and ownership parcels (Sterling, TX), so cost-squeezed Sterling, TX owners surface before listing.
Inside Texas, Sterling County ranks 173rd of 254 counties for home-insurance distress at 27/100; Roberts County (27/100) sits just above Sterling County, and Titus County (27/100) sits just below Sterling County.
Deterministic. Every Sterling County, TX signal traces to a public Sterling dataset (FEMA, NFIP, Census for Sterling, TX) · how insurance distress works in Sterling, TX · methodology
FAQ: Sterling County, TX insurance distress
What is the Sterling County, TX home-insurance-distress score?
Sterling, TX: 27/100 (LOW), #1,830 of 3,222, #173 in Texas. FEMA hazard, Sterling, TX: 52/100; NFIP stress, Sterling, TX: 0/100; construction, Sterling, TX: 1/100; Sterling, TX rescores monthly.
Is Sterling County insurance distress getting better or worse (TX)?
Sterling, TX: 30 in March 2026; Sterling, TX: 26 in October 2026 (better); Sterling, TX climate component 52.
Which Sterling County ZIP codes carry the most insurance distress (TX)?
Sterling, TX, June 2026: 76945 at 0, 76951 at 0; Sterling, TX climate scores there: 6, 1.
Why does Sterling, TX insurance distress create sellers?
A Sterling, TX premium outruns the Sterling, TX budget; a carrier leaves Sterling, TX; Sterling, TX carrying cost passes plan; Sterling, TX owners sell while current; Sterling, TX insurance distress leads Sterling, TX foreclosure data.