Clay County, TX
Composite Insurance Risk Score: 56.8 / 100 (National rank: #1161)
Axis Scores
Climate Safety
62.4
Insurance Affordability
18.0
Housing Affordability
85.0
Community Resilience
36.5
Social Resilience
77.1
Housing Stability
94.4
Key Metrics
| Annual Insurance Premium (state avg) | $4,200 |
| Insurance Burden (% of income) | 5.24% |
| Price-to-Income Ratio | 2.14 |
| FEMA Risk Score (0-100) | 37.5 |
Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).