Terrell County, TX: Home-Insurance Distress & Forced-Sale Pressure
Terrell County, TX: 35/100 (moderate) home-insurance distress; Terrell, TX band LOW; Terrell, TX #1,494 of 3,222 counties; Terrell, TX #139 of 254 in Texas; raw Terrell, TX 46.9; Terrell, TX coverage multiplier 0.85.
FEMA hazard, Terrell, TX: 68/100; Terrell, TX declarations, three years: 6; Terrell, TX perils: 4 flood; Terrell, TX five-year count 2 (severity 3.0); Terrell, TX ten-year 2; hazard-weighted, Terrell, TX: 12.0.
Declared incidents on the Terrell, TX record: 2026 Flood 2; 2024 Flood 2 (Terrell, TX).
NFIP claims, Terrell, TX, three years: none; Terrell, TX claim-stress 0/100.
Terrell, TX monthly score rose, 30 (March 2026) to 35 (October 2026); Terrell, TX by month: March 30, April 30, May 30, June 30 (Terrell, TX), July 36, August 36, September 36, October 35.
Terrell, TX components: climate 68; Terrell, TX retreat index 35; Terrell, TX climate multiplier 0.85.
Construction distress, Terrell, TX: 0/100 as of August 2026 (Terrell, TX: 0/100 one-to-four unit, 0/100 multifamily).
Terrell, TX ZIPs, June 2026 (Terrell, TX, 3 highest): score 0 (Terrell, TX), climate 5 (Terrell, TX): 79781; score 0 (Terrell, TX), climate 0 (Terrell, TX): 78851, 79848.
DLRadar rescores Terrell, TX monthly; Terrell, TX readings join Terrell, TX foreclosure, lien and ownership parcels (Terrell, TX), so cost-squeezed Terrell, TX owners surface before listing.
Inside Texas, Terrell County ranks 139th of 254 counties for home-insurance distress at 35/100; Live Oak County (35/100) sits just above Terrell County, and Mclennan County (31/100) sits just below Terrell County.
Deterministic. Every Terrell County, TX signal traces to a public Terrell dataset (FEMA, NFIP, Census for Terrell, TX) · how insurance distress works in Terrell, TX · methodology
FAQ: Terrell County, TX insurance distress
What is the Terrell County, TX home-insurance-distress score?
Terrell, TX: 35/100 (LOW), #1,494 of 3,222, #139 in Texas. FEMA hazard, Terrell, TX: 68/100; NFIP stress, Terrell, TX: 0/100; construction, Terrell, TX: 0/100; Terrell, TX rescores monthly.
Is Terrell County insurance distress getting better or worse (TX)?
Terrell, TX: 30 in March 2026; Terrell, TX: 35 in October 2026 (worse); Terrell, TX climate component 68.
Which Terrell County ZIP codes carry the most insurance distress (TX)?
Terrell, TX, June 2026: 79781 at 0, 78851 at 0, 79848 at 0; Terrell, TX climate scores there: 5, 0, 0.
Why does Terrell, TX insurance distress create sellers?
A Terrell, TX premium outruns the Terrell, TX budget; a carrier leaves Terrell, TX; Terrell, TX carrying cost passes plan; Terrell, TX owners sell while current; Terrell, TX insurance distress leads Terrell, TX foreclosure data.