Floyd County, Texas

County Distress Index: Serious · 65.4 | 5,090 people · 89th most distressed in Texas
American Default Research

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Floyd County, TX shows significant household financial distress with a score of 65.4 — 620th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Texas, it ranks 89th of 254 counties. Among its 7 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Floyd County's primary driver is Consumer Credit Distress at 90.1 — worse than roughly 90% of U.S. counties.

Consumer Credit Distress Primary driver 90.1
Debt in Collections 93
Medical Debt 87
Auto Loan Delinquency 95
Credit Card Delinquency 85
Uninsured Rate 95
Subprime Credit Population 87
Structural Poverty 77.5
Unemployment Rate 49
Poverty Rate 87
Income vs. State Median 93
Child Poverty Rate 93
Disability Rate 43
Transfer Income Dependency 85
Economic Vitality 66.6
Wage-to-Rent Ratio 52
Rent-to-Income Ratio 80
Business Formation Rate 83
House Price Change (YoY) 70
Housing Cost Burden 24.5
Rent-Burdened (30%+) 13
Severely Rent-Burdened (50%+) 12
Mortgage-Burdened (30%+) 75
Homeownership Rate 46
Legal Distress 5.7
Bankruptcy Filing Rate 6

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Floyd County
Floyd County, TX 65.4 Serious —
Crosby County, TX 74.8 Serious +9.4
Lubbock County, TX 74.3 Serious +8.9
Hale County, TX 72.3 Serious +6.9
Dickens County, TX 68.5 Serious +3.1
Swisher County, TX 67.3 Serious +1.9
Briscoe County, TX 58.4 Elevated -7.0
Motley County, TX 56.1 Elevated -9.3

Population Peers

CountyScoreZonevs. Floyd County
Latimer County, OK 65.3 Serious -0.1
Harmon County, OK 65.5 Serious +0.1
Red River Parish, LA 65.8 Serious +0.4
Owsley County, KY 64.9 Elevated -0.5
Norton city, VA 65.9 Serious +0.5

Download Data

Export all distress indicators for Floyd County as a CSV file.

Find Help in Floyd County

Find an Attorney

State Bar of Texas — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Texas — Lawyer Referral Service 1-800-252-9690

Free Legal Aid

Legal aid organizations serving Floyd County residents at no cost.

Texas RioGrande Legal Aid 1-888-988-9996
Lone Star Legal Aid 1-800-733-8394
Legal Aid of NorthWest Texas (888) 529-5277

Self-Help Resources

Texas State Law Library — Foreclosure Research Guide Comprehensive guide to Texas foreclosure law with links to statutes, forms, and practice guides.
TexasLawHelp.org Free legal information and self-help resources for low-income Texans.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Texas →

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Frequently Asked Questions

  • What is the distress score for Floyd County, Texas?

    Floyd County has a County Distress Index score of 65.4 out of 100, placing it in the Serious zone. It ranks 620th nationally out of 3,144 counties and 89th in Texas out of 254 counties.

  • What drives financial distress in Floyd County?

    The primary driver of distress in Floyd County is Consumer Credit Distress, where the county scores 90.1 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Floyd County compare to neighboring counties?

    Floyd County (65.4) can be compared to its 7 neighboring counties: Crosby County, TX (74.8); Lubbock County, TX (74.3); Hale County, TX (72.3).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Serious zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Floyd County's score of 65.4 sits in the Serious zone (71–86).

  • What data sources power Floyd County's CDI score?

    Floyd County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Floyd County?

    Floyd County, Texas has a population of approximately 5,090 (2023 Census estimate), classified as a tiny county.