Tennessee Home-Insurance Distress by County

Home-insurance distress across Tennessee is moderate but rising in pockets, with an average county insurance-distress score of 44/100 — the 14th-highest of the 52 states and territories DLRadar scores. All 95 Tennessee counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

NFIP paid $35,035,936 across 721 Tennessee flood claims in three years; that ledger is what reprices coverage statewide.

Underneath the Tennessee headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

Statewide, the pressure is driven by an average FEMA hazard score of 51/100 and average NFIP flood-claim stress of 39/100 — the exposures carriers price against and increasingly decline to renew, and why Tennessee premiums climb faster than incomes.

DLRadar treats the Tennessee insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

9 of Tennessee's 95 counties carry a severe insurance-distress score of 70 or higher — where coverage is hardest to keep and carrying cost, not the mortgage, is the sale trigger.

Because Tennessee is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #14 national rank and county order move with actual conditions, not a fixed snapshot.

Cocke County leads Tennessee at 91/100, with Carter County close behind. Below is every Tennessee county ranked by coverage pressure, linked to its individual read.

For anyone sourcing acquisitions in Tennessee, the value of a state-level insurance read is that it points to which counties to open first: a moderate but rising in pockets average means the pressure is real but uneven, and the county table below is where that pressure resolves into specific markets.

Treated properly, Tennessee's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. So in Tennessee you can find the owners whose breaking point is the insurance bill, before they list.