Garza County, TX

Composite Insurance Risk Score: 40.1 / 100 (National rank: #2214)

Axis Scores

Climate Safety 61.3
Insurance Affordability 2.4
Housing Affordability 96.1
Community Resilience 0.5
Social Resilience 36.5
Housing Stability 30.3

Key Metrics

Annual Insurance Premium (state avg) $4,200
Insurance Burden (% of income) 9.07%
Price-to-Income Ratio 1.68
FEMA Risk Score (0-100) 38.6

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).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in Garza County have grown at an average annual rate of -0.26%. During the same period, the population has decreased by 15.68%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).