Carroll County, TN: Home-Insurance Distress & Forced-Sale Pressure
Carroll County, TN: 37/100 (moderate) home-insurance distress; Carroll, TN band LOW; Carroll, TN #1,421 of 3,222 counties; Carroll, TN #55 of 95 in Tennessee; raw Carroll, TN 41.4.
FEMA hazard, Carroll, TN: 52/100; Carroll, TN declarations, three years: 12; Carroll, TN perils: 6 severe-storm; Carroll, TN five-year count 10 (severity 18.0); Carroll, TN ten-year 10; hazard-weighted, Carroll, TN: 6.0.
Declared incidents on the Carroll, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Carroll, TN); 2023 Severe Storm 2 (Carroll, TN).
NFIP claims, Carroll, TN, three years: 1; Carroll, TN payouts $0; per Carroll, TN claim $0; Carroll, TN claim-stress 15/100.
Carroll, TN monthly score fell, 42 (March 2026) to 37 (October 2026); Carroll, TN by month: March 42, April 42, May 41, June 41 (Carroll, TN), July 39, August 49, September 38, October 37.
Carroll, TN components: climate 52, NFIP claims 15; Carroll, TN retreat index 37.
Construction distress, Carroll, TN: 3/100 as of August 2026 (Carroll, TN: 3/100 one-to-four unit, 0/100 multifamily).
Carroll, TN ZIPs, June 2026 (Carroll, TN, 14 highest): score 0 (Carroll, TN), climate 91 (Carroll, TN): 38305; score 0 (Carroll, TN), climate 74 (Carroll, TN): 38220; score 0 (Carroll, TN), climate 73 (Carroll, TN): 38201; score 0 (Carroll, TN), climate 70 (Carroll, TN): 38235, 38258, 38318, 38342, Carroll, TN 38344, 38348; score 0 (Carroll, TN), climate 68 (Carroll, TN): 38317, 38390; score 0 (Carroll, TN), climate 66 (Carroll, TN): 38321, 38387; score 0 (Carroll, TN), climate 36 (Carroll, TN): 38341.
DLRadar rescores Carroll, TN monthly; Carroll, TN readings join Carroll, TN foreclosure, lien and ownership parcels (Carroll, TN), so cost-squeezed Carroll, TN owners surface before listing.
Inside Tennessee, Carroll County ranks 55th of 95 counties for home-insurance distress at 37/100; Hawkins County (43/100) sits just above Carroll County, and Claiborne County (35/100) sits just below Carroll County.
Deterministic. Every Carroll County, TN signal traces to a public Carroll dataset (FEMA, NFIP, Census for Carroll, TN) · how insurance distress works in Carroll, TN · methodology
FAQ: Carroll County, TN insurance distress
What is the Carroll County, TN home-insurance-distress score?
Carroll, TN: 37/100 (LOW), #1,421 of 3,222, #55 in Tennessee. FEMA hazard, Carroll, TN: 52/100; NFIP stress, Carroll, TN: 15/100; construction, Carroll, TN: 3/100; Carroll, TN rescores monthly.
Is Carroll County insurance distress getting better or worse (TN)?
Carroll, TN: 42 in March 2026; Carroll, TN: 37 in October 2026 (better); Carroll, TN climate component 52; Carroll, TN NFIP claims score 15.
How many flood-insurance claims has Carroll County, TN had?
Carroll, TN: 1 NFIP claims, three years; Carroll, TN paid $0; per Carroll, TN claim $0; carriers reprice Carroll, TN against that record.
Which Carroll County ZIP codes carry the most insurance distress (TN)?
Carroll, TN, June 2026: 38305 at 0, 38220 at 0, 38201 at 0, 38235 at 0; Carroll, TN climate scores there: 91, 74, 73, 70.
Why does Carroll, TN insurance distress create sellers?
A Carroll, TN premium outruns the Carroll, TN budget; a carrier leaves Carroll, TN; Carroll, TN carrying cost passes plan; Carroll, TN owners sell while current; Carroll, TN insurance distress leads Carroll, TN foreclosure data.