Tennessee Home-Insurance Distress by County

Tennessee reads well above the national norm for home-insurance distress — 95 counties averaging 49/100, 12th of 52 states.

17 of Tennessee's 95 counties score 70 or higher (severe).

Tennessee's reading rests on a FEMA hazard average of 57/100 and NFIP flood-claim stress of 42/100.

Over three years Tennessee counties filed 781 NFIP flood claims, $36,618,322 paid.

Highest in Tennessee: Cocke County 93/100 (#66 US), Carter County 92/100 (#77 US), Washington County 92/100 (#88 US), Johnson County 92/100 (#92 US), Unicoi County 91/100 (#116 US).

Tennessee counties by insurance band: 48 medium (Tennessee), 40 low, 7 high; Tennessee NFIP claims, three years: 781; Tennessee payouts $36.6 million.

Tennessee counties with the most NFIP claims: Davidson 141 ($4.5 million); Carter 85 ($3.8 million); Hamilton 65 ($3.3 million) in Tennessee; Sumner 55 ($1.6 million); Montgomery 50 ($3.0 million).

Tennessee county average fell: 47.2 in March 2026; Tennessee reads 45.0 in October 2026; Tennessee by month: March 47.2, April 47.2, May 47.7 (Tennessee), June 47.7, July 45.6, August 52.6 (Tennessee), September 44.6, October 45.0.

Highest Tennessee ZIPs, insurance distress: 33955 81 (climate 94), 33950 81 (climate 94) in Tennessee, 33983 81 (climate 94), 33982 81 (climate 94) in Tennessee, 33954 81 (climate 94), 33947 81 (climate 94) in Tennessee.

Reading the Tennessee bands: 7 of 95 Tennessee counties sit in a high or worse insurance band; Tennessee filed 781 NFIP claims in three years, $36.6 million paid to Tennessee policyholders; a Tennessee county's band moves when FEMA hazard revisions, new Tennessee NFIP settlements or carrier filings change its monthly score.