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

Insurance distress in Travis County, Texas reads elevated (67/100), in the upper half of U.S. counties — #654 nationally. More and more, it is the insurance bill rather than the mortgage that turns a Travis County owner into a seller.

Three years of NFIP activity in Travis County comes to 56 claims worth $2,464,082, and that ledger is what carriers price against.

DLRadar does not treat 67/100 as a standalone number — the Travis County insurance read is cross-referenced against local foreclosure filings, tax-lien activity and ownership turnover, so you see whether insurance pressure is compounding other distress or acting alone.

Behind the score sit a FEMA hazard score of 51/100; NFIP flood-claim stress of 93/100 over three years; 1 flood federal disaster declaration in three years, each a factor insurers weigh when they raise rates or exit a market.

The Travis County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 67/100 reading reflects the current renewal environment rather than a historical average.

Travis County's 67/100 is the kind of reading that shows up later as inventory: owners absorb one renewal, then list before the next.

Underwriters read this county through flood first -- it is the recurring driver in the declaration history.

The gap between physical hazard (51/100) and realized flood losses (93/100) is what DLRadar watches to flag insurance-driven sellers in Travis County.

Construction distress sits at 78/100, so the replacement cost insurers underwrite against is elevated here.

DLRadar rebuilds insurance distress nationwide each month and wires Travis County score into the parcel-level foreclosure and ownership graph. The point is reaching those owners while carrying cost is still the problem, not after the filing.