Willacy County, TX: Home-Insurance Distress & Forced-Sale Pressure
Willacy County, TX: 86/100 (severe) home-insurance distress; Willacy, TX band HIGH; Willacy, TX #197 of 3,222 counties; Willacy, TX #15 of 254 in Texas; raw Willacy, TX 90.2.
FEMA hazard, Willacy, TX: 84/100; Willacy, TX declarations, three years: 6; Willacy, TX perils: 2 hurricane, 2 flood; Willacy, TX five-year count 4 (severity 7.0); Willacy, TX ten-year 4; hazard-weighted, Willacy, TX: 21.0.
Declared incidents on the Willacy, TX record: 2025 Flood 2; 2024 Hurricane 2 (Willacy, TX).
NFIP claims, Willacy, TX, three years: 50; Willacy, TX payouts $1,288,611; per Willacy, TX claim $25,772; Willacy, TX claim-stress 89/100.
Willacy, TX monthly score rose, 84 (March 2026) to 85 (October 2026); Willacy, TX by month: March 84, April 84, May 89, June 89 (Willacy, TX), July 86, August 89, September 87, October 85.
Willacy, TX components: climate 83, NFIP claims 89; Willacy, TX retreat index 85.
Construction distress, Willacy, TX: 49/100 as of August 2026 (Willacy, TX: 48/100 one-to-four unit, 11/100 multifamily).
Willacy, TX ZIPs, June 2026 (Willacy, TX, 6 highest): score 0 (Willacy, TX), climate 76 (Willacy, TX): 78569; score 0 (Willacy, TX), climate 70 (Willacy, TX): 78561, 78590, 78594, 78598; score 0 (Willacy, TX), climate 66 (Willacy, TX): 78580.
DLRadar rescores Willacy, TX monthly; Willacy, TX readings join Willacy, TX foreclosure, lien and ownership parcels (Willacy, TX), so cost-squeezed Willacy, TX owners surface before listing.
Inside Texas, Willacy County ranks 14th of 254 counties for home-insurance distress at 86/100; Kerr County (86/100) sits just above Willacy County, and Uvalde County (85/100) sits just below Willacy County.
Deterministic. Every Willacy County, TX signal traces to a public Willacy dataset (FEMA, NFIP, Census for Willacy, TX) · how insurance distress works in Willacy, TX · methodology
FAQ: Willacy County, TX insurance distress
What is the Willacy County, TX home-insurance-distress score?
Willacy, TX: 86/100 (HIGH), #197 of 3,222, #15 in Texas. FEMA hazard, Willacy, TX: 84/100; NFIP stress, Willacy, TX: 89/100; construction, Willacy, TX: 49/100; Willacy, TX rescores monthly.
Is Willacy County insurance distress getting better or worse (TX)?
Willacy, TX: 84 in March 2026; Willacy, TX: 85 in October 2026 (worse); Willacy, TX climate component 83; Willacy, TX NFIP claims score 89.
How many flood-insurance claims has Willacy County, TX had?
Willacy, TX: 50 NFIP claims, three years; Willacy, TX paid $1,288,611; per Willacy, TX claim $25,772; carriers reprice Willacy, TX against that record.
Which Willacy County ZIP codes carry the most insurance distress (TX)?
Willacy, TX, June 2026: 78569 at 0, 78561 at 0, 78590 at 0, 78594 at 0; Willacy, TX climate scores there: 76, 70, 70, 70.
Why does Willacy, TX insurance distress create sellers?
A Willacy, TX premium outruns the Willacy, TX budget; a carrier leaves Willacy, TX; Willacy, TX carrying cost passes plan; Willacy, TX owners sell while current; Willacy, TX insurance distress leads Willacy, TX foreclosure data.