Wharton County, TX: Home-Insurance Distress & Forced-Sale Pressure
Wharton County, TX: 70/100 (severe) home-insurance distress; Wharton, TX band MEDIUM; Wharton, TX #616 of 3,222 counties; Wharton, TX #61 of 254 in Texas; raw Wharton, TX 76.4.
FEMA hazard, Wharton, TX: 74/100; Wharton, TX declarations, three years: 3; Wharton, TX perils: 2 hurricane; Wharton, TX five-year count 2 (severity 3.0); Wharton, TX ten-year 2; hazard-weighted, Wharton, TX: 15.0.
Declared incidents on the Wharton, TX record: 2024 Hurricane 2 (Wharton, TX).
NFIP claims, Wharton, TX, three years: 8; Wharton, TX payouts $19,257; per Wharton, TX claim $2,407; Wharton, TX claim-stress 65/100.
Wharton, TX monthly score fell, 74 (March 2026) to 70 (October 2026); Wharton, TX by month: March 74, April 74, May 74, June 74 (Wharton, TX), July 73, August 74, September 72, October 70.
Wharton, TX components: climate 73, NFIP claims 65; Wharton, TX retreat index 70.
Construction distress, Wharton, TX: 52/100 as of August 2026 (Wharton, TX: 38/100 one-to-four unit, 91/100 multifamily).
Wharton, TX ZIPs, June 2026 (Wharton, TX, 13 highest): score 0 (Wharton, TX), climate 81 (Wharton, TX): 77420, 77435; score 0 (Wharton, TX), climate 80 (Wharton, TX): 77432, 77436, 77437, 77443, Wharton, TX 77448, 77453, 77454, 77467, Wharton, TX 77488; score 0 (Wharton, TX), climate 78 (Wharton, TX): 77455; score 0 (Wharton, TX), climate 65 (Wharton, TX): 77434.
DLRadar rescores Wharton, TX monthly; Wharton, TX readings join Wharton, TX foreclosure, lien and ownership parcels (Wharton, TX), so cost-squeezed Wharton, TX owners surface before listing.
Inside Texas, Wharton County ranks 61st of 254 counties for home-insurance distress at 70/100; Marion County (71/100) sits just above Wharton County, and Real County (70/100) sits just below Wharton County.
Deterministic. Every Wharton County, TX signal traces to a public Wharton dataset (FEMA, NFIP, Census for Wharton, TX) · how insurance distress works in Wharton, TX · methodology
FAQ: Wharton County, TX insurance distress
What is the Wharton County, TX home-insurance-distress score?
Wharton, TX: 70/100 (MEDIUM), #616 of 3,222, #61 in Texas. FEMA hazard, Wharton, TX: 74/100; NFIP stress, Wharton, TX: 65/100; construction, Wharton, TX: 52/100; Wharton, TX rescores monthly.
Is Wharton County insurance distress getting better or worse (TX)?
Wharton, TX: 74 in March 2026; Wharton, TX: 70 in October 2026 (better); Wharton, TX climate component 73; Wharton, TX NFIP claims score 65.
How many flood-insurance claims has Wharton County, TX had?
Wharton, TX: 8 NFIP claims, three years; Wharton, TX paid $19,257; per Wharton, TX claim $2,407; carriers reprice Wharton, TX against that record.
Which Wharton County ZIP codes carry the most insurance distress (TX)?
Wharton, TX, June 2026: 77420 at 0, 77435 at 0, 77432 at 0, 77436 at 0; Wharton, TX climate scores there: 81, 81, 80, 80.
Why does Wharton, TX insurance distress create sellers?
A Wharton, TX premium outruns the Wharton, TX budget; a carrier leaves Wharton, TX; Wharton, TX carrying cost passes plan; Wharton, TX owners sell while current; Wharton, TX insurance distress leads Wharton, TX foreclosure data.