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Commerce, Texas
Inside Commerce's city limits, shrink-swell clay limits houses without basements on 73% of mapped land, higher than 77% of Texas cities. A shallow water table limits basements on 18%.
That clay share is close to Hunt County's 78%. FEMA's flood data list 3 flood losses since 2016 in ZIP code 75428 overlapping the city. Of its 3,658 homes, 58% were built before 1980; the median dates from 1976.
Data as of October 13, 2026 · sources · in Hunt County
expansive clay: shrink-swell limits slab homes
high water table: limits basements
flood losses since 2016 in 1 overlapping ZIP
of homes built before 1980
Foundation repair in Commerce
Foundation repair in Commerce: shrink-swell clay limits slab homes on 73% of Commerce's mapped land, more than in 77% of Texas cities.
About 1,800 of Commerce's 3,658 homes are detached houses.
| Who designs the repair | The ASCE Texas Section's repair guidelines say a Texas-licensed engineer should evaluate the foundation and design the repair (2022 guidelines) |
| Prices | Cost guide ranges compared |
Soil under Commerce city limits
| Expansive clay (limits slab homes) | 73.4% |
| High water table (limits basements) | 18.1% |
| Septic fields very limited | 90.3% |
| Clay swell (LEP, by area) | 8.7% |
| High-swell land (LEP 6%+) | 73.4% |
| Urban land, not rated | 11.0% |
| Mapped soil | 5,373 acres |
What the numbers mean here
Clay swell averages a linear extensibility of 8.7% by land area here, and 73% of the land reaches USDA's high class (6% or more). Clay like that swells when wet and shrinks when dry, under 73% of the mapped land.
Clay shrinks as it dries: 100% of Hunt County is in drought on the latest map, and 73% of Commerce's mapped land has shrink-swell clay.
On 18% of Commerce's mapped land, soil stays saturated within about 6 feet of the surface for part of the year, which is basement depth.
USDA rates 90% of the land very limited for septic absorption fields.
Drought in Hunt County
100% of Hunt County is in drought (D1 or worse) on the October 13, 2026 map. County detail.
Flood losses by ZIP code
FEMA flood records since 2016 in the ZIP codes that overlap Commerce. ZIP areas reach past city limits.
| ZIP | Share of city land | Flood losses | Paid |
|---|---|---|---|
| 75428 | over 99% | 3 | $122,397 |
Homes in Commerce
| Housing units | 3,658 |
| Median year built | 1976 |
| Built before 1980 | 58% |
| Built 2000 or later | 26% |
| Owner-occupied | 42% |
| Median value, owner-occupied | $161,600 |
| Single-family detached | 50% |
Nearby cities
| Place | Distance | Expansive clay | High water table |
|---|---|---|---|
| Campbell | 7 mi | 53% | 46% |
| Neylandville | 7 mi | 87% | 32% |
| Cumby | 8 mi | 90% | under 1% |
| Ladonia | 13 mi | 83% | 18% |
| Wolfe City | 13 mi | 68% | 3% |
| Pecan Gap | 14 mi | 77% | 5% |
| Cooper | 15 mi | 90% | 1% |
| Greenville | 15 mi | 81% | 10% |
Sources: USDA SSURGO (August 5, 2026) · US Drought Monitor (October 13, 2026) · FEMA NFIP v3 (September 9, 2026) · Census ACS 2020-2024. Methods · Data status