Gray County, TX

Composite Insurance Risk Score: 37.0 / 100 (National rank: #2391)

Axis Scores

Climate Safety 32.5
Insurance Affordability 6.8
Housing Affordability 95.2
Community Resilience 30.9
Social Resilience 22.5
Housing Stability 59.5

Key Metrics

Annual Insurance Premium (state avg) $4,200
Insurance Burden (% of income) 7.05%
Price-to-Income Ratio 1.73
FEMA Risk Score (0-100) 67.4

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 Gray County have grown at an average annual rate of 5.81%. During the same period, the population has decreased by 6.09%. 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).