ZIP 76049 Foreclosure, Tax-Lien & Distress Report

Hood County, Texas's ZIP 76049 registers 20/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (71/100), flood (NFIP) exposure (64/100). What sets it apart are the readings on structural risk (46/100), construction/permit lag (45/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. Structural risk reads 46/100 against active distress of 3/100.

The market reads peak — home values rose 0.9% year on year, and 7% higher over three years, at 9/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Population is roughly 30,911 with a median age of 51. The vacancy rate is 8.8%. Home values center near $363,300, an affordability ratio of 3.2× — accessible. The tenure split is 88% owner-occupied to 12% rented. On demographic stress specifically, 76049 scores 25/100. Roughly 4.8% live below the poverty line, a low share typical of higher-equity areas. There are about 13,960 housing units across 76049. Around 38% of adults hold a bachelor's degree or higher. Median household income is $103,239, above the U.S. median near $78,000. Rent burden reaches 36% of tenant households.

On balance 76049 is mixed, rewarding parcel-by-parcel screening over broad assumptions. While 76049 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 76049 runs hot or quiet, its 20/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 76049 can be compared directly against any other ZIP in Hood County, Texas or nationwide. Where the public record is thin for 76049, the field stays empty rather than modeled, and fills in as new documents post.

The 20/100 figure for 76049 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 76049 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.