ZIP 76645 Foreclosure, Tax-Lien & Distress Report

Hill County, Texas's ZIP 76645 registers 27/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — flood (NFIP) exposure (77/100), climate & FEMA risk (70/100). The pressure is most legible in structural risk (61/100), construction/permit lag (58/100), institutional ownership (45/100). mortgage stress (20/100) stay muted. Structural exposure scores 61 and live distress 6 on the 0–100 scale.

The peak-phase market in 76645 posted values that rose 2.0% over the year, and 26% higher over three years, at 22/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $199,100 (2.5× income, relatively affordable). Roughly 15.8% live below the poverty line. Vacancy runs 12.6%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 40% of tenant households. About 11,321 people live here, median age 38. Educational attainment sits at 19% bachelor's-or-above. 65% of housing is owner-occupied. Households earn a median $61,792 — below the roughly $78,000 national figure. The ZIP holds roughly 4,565 housing units. On demographic stress specifically, 76645 scores 30/100.

Taken together, 76645 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

No ZIP is too small to score: 76645 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 27/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 76645 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 76645's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. For an operator, 76645 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.