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

Insurance distress in Wilson County, Texas reads moderate (26/100), in the lower-risk band nationally — #1869 nationally. As premiums climb and carriers retreat, owners who can no longer afford or obtain coverage turn into motivated sellers — often before any foreclosure filing appears.

Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.

Construction distress sits at 74/100, so the replacement cost insurers underwrite against is elevated here.

Taken with the county's foreclosure and lien record, 26/100 tells you whether Wilson County owners face a coverage problem or a solvency problem — the two need different outreach.

For a buyer, Wilson County at 26/100 is a where-to-look signal: some share of owners are absorbing a coverage bill rising faster than planned, and a portion will sell rather than carry it.

Flood is the dominant declared hazard here, which shapes how carriers underwrite the county.

Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years; 1 flood federal disaster declaration in three years, all of which push carriers toward higher rates or non-renewal.

The Wilson County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 26/100 reading reflects the current renewal environment rather than a historical average.

Hazard 51/100 plus flood-claim stress 0/100 is the pairing that separates insurance-motivated sellers from ordinary distress in Wilson County.

The nationwide monthly build covers all 3,222 counties and connects Wilson County reading to real foreclosure, tax-lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.