Tom Green County, TX: Home-Insurance Distress & Forced-Sale Pressure
Insurance distress in Tom Green County, Texas reads elevated (69/100), in the upper half of U.S. counties — #628 nationally. Coverage that keeps repricing upward quietly manufactures motivated sellers well before a foreclosure notice.
Rebuilding is expensive in this market -- 26/100 on construction distress -- and coverage is priced off exactly that number.
The Tom Green County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 69/100 reading reflects the current renewal environment rather than a historical average.
Put the 51/100 hazard reading next to 96/100 in flood-claim stress and the pattern is a county where owners exit over premiums.
The federal flood record here -- 70 claims at roughly $69,547 each -- is the loss experience premiums are built on.
Its exposure skews toward flood, the most frequent federal disaster driver in the county over the past three years.
What lifts Tom Green County's reading is a FEMA hazard score of 51/100; NFIP flood-claim stress of 96/100 over three years; 1 flood federal disaster declaration in three years; these are exactly the risks that widen premiums and thin the carrier pool.
What 69/100 means on the ground in Tom Green County is simple — coverage cost is becoming a decision point for owners here, and DLRadar's job is to flag the parcels where that decision tips toward selling.
On its own 69/100 is half a picture, so Tom Green County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
Every U.S. county gets this monthly insurance-distress read from FEMA, NFIP and carrier data, wired to parcel-level foreclosure, lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Tom Green County insurance distress — FAQ
How severe is home-insurance pressure in Tom Green County, Texas?
DLRadar puts Tom Green County at 69/100 for home-insurance distress, scored the same way as every other U.S. county.
What is Tom Green County three-year flood-claim total?
Tom Green County recorded 70 NFIP flood claims over the trailing three years, with $4,868,300 paid -- the loss record carriers price against.
Why is insurance distress a leading signal in Tom Green County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Tom Green County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.