Sutton County, TX: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Sutton County, Texas is currently elevated — an insurance-distress score of 66/100, in the upper half of U.S. counties at #702 of the 3,222 U.S. counties DLRadar scores. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.

DLRadar reads Sutton County's 66/100 beside its default, lien and ownership records, so a rising premium and a looming foreclosure surface on the same parcel.

Rebuild-cost inflation compounds it: construction-distress reads 33/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.

Over the trailing three years, Sutton County recorded 2 NFIP flood claims totaling $2,530 paid (about $1,265 per claim) — the loss history that pushes premiums up and coverage out.

The Sutton County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 66/100 reading reflects the current renewal environment rather than a historical average.

Read as a targeting input, 66/100 puts Sutton County #702 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.

It is the combination -- 71/100 hazard, 58/100 claims -- that makes carrying cost the operative trigger here rather than the loan.

The declaration history is led by flood events — the peril most likely to drive non-renewals locally.

The reading rests on a FEMA hazard score of 71/100; NFIP flood-claim stress of 58/100 over three years; 2 flood federal disaster declarations in three years - the specific exposures that widen premiums and shrink the carrier pool in Sutton County.

This monthly read runs on every U.S. county from FEMA, NFIP and carrier-pressure inputs, then joins to parcel-level foreclosure, lien and ownership records. That is how coverage-pressured owners surface before they reach the open market.