Uvalde County, TX: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Uvalde County, Texas at 43/100 for home-insurance distress, a moderate level that places it #1178 of 3,222 counties, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
Most of the federal disaster activity on file is flood, and that is the peril shaping renewal terms locally.
What lifts Uvalde County's reading is a FEMA hazard score of 84/100; NFIP flood-claim stress of 0/100 over three years; 3 flood federal disaster declarations in three years; these are exactly the risks that widen premiums and thin the carrier pool.
Monthly rebuilds keep Uvalde County honest: 43/100 reflects the renewal environment carriers are pricing right now.
The county's three-year flood-loss ledger — 0 claims, $0 paid (~$0/claim) — is the evidence carriers use to justify higher rates or withdrawal.
Practically, Uvalde County's 43/100 score points acquisition teams at owners for whom the next renewal, not the next payment, is the pressure point.
Hazard exposure of 84/100 alongside 0/100 in flood-claim stress is the combination that turns Uvalde County owners into insurance-motivated sellers.
Rebuild-cost inflation compounds it: construction-distress reads 3/100, so replacement and repair costs — the basis insurers use to set premiums — are running hot.
On its own 43/100 is half a picture, so Uvalde County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
DLRadar rebuilds insurance distress nationwide each month and wires Uvalde County score into the parcel-level foreclosure and ownership graph. So you can reach the owners whose trigger is carrying cost — before they list.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Uvalde County insurance distress — FAQ
What is the home-insurance-distress score for Uvalde County, Texas?
On the insurance-distress measure Uvalde County comes in at 43/100, recomputed every month from federal and carrier sources.
What is Uvalde County three-year flood-claim total?
Uvalde County logged 0 NFIP flood claims over three years, $0 paid (about $0 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
Why do premium increases create listings in Uvalde County?
Insurance is a fixed cost owners cannot negotiate away. Once it climbs beyond what a Uvalde County household budgeted, selling is often the cheapest exit -- and it happens early, before a missed payment ever registers.