Carter County, TN: Home-Insurance Distress & Forced-Sale Pressure
Carter County, TN: 88/100 (severe) home-insurance distress; Carter, TN band HIGH; Carter, TN #146 of 3,222 counties; Carter, TN #2 of 95 in Tennessee.
FEMA hazard, Carter, TN: 84/100; Carter, TN declarations, three years: 10; Carter, TN perils: 4 tropical-storm, 2 severe-storm; Carter, TN five-year count 10 (severity 18.0); Carter, TN ten-year 10; hazard-weighted, Carter, TN: 14.0.
Declared incidents on the Carter, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Carter, TN); 2024 Tropical Storm 4 (Carter, TN).
NFIP claims, Carter, TN, three years: 85; Carter, TN payouts $3,770,186; per Carter, TN claim $44,355; Carter, TN claim-stress 94/100.
Carter, TN monthly score rose, 86 (March 2026) to 87 (October 2026); Carter, TN by month: March 86, April 86, May 91, June 91 (Carter, TN), July 88, August 95, September 89, October 87.
Carter, TN components: climate 83, NFIP claims 94; Carter, TN retreat index 87.
Construction distress, Carter, TN: 55/100 as of August 2026 (Carter, TN: 51/100 one-to-four unit, 62/100 multifamily).
Carter, TN ZIPs, June 2026 (Carter, TN, 8 highest): score 0 (Carter, TN), climate 63 (Carter, TN): 37604; score 0 (Carter, TN), climate 60 (Carter, TN): 37694; score 0 (Carter, TN), climate 59 (Carter, TN): 37601; score 0 (Carter, TN), climate 58 (Carter, TN): 37658, 37682, 37687; score 0 (Carter, TN), climate 57 (Carter, TN): 37643; score 0 (Carter, TN), climate 36 (Carter, TN): 37640.
DLRadar rescores Carter, TN monthly; Carter, TN readings join Carter, TN foreclosure, lien and ownership parcels (Carter, TN), so cost-squeezed Carter, TN owners surface before listing.
Inside Tennessee, Carter County ranks 2nd of 95 counties for home-insurance distress at 88/100; Cocke County (89/100) sits just above Carter County, and Washington County (88/100) sits just below Carter County.
Deterministic. Every Carter County, TN signal traces to a public Carter dataset (FEMA, NFIP, Census for Carter, TN) · how insurance distress works in Carter, TN · methodology
FAQ: Carter County, TN insurance distress
What is the Carter County, TN home-insurance-distress score?
Carter, TN: 88/100 (HIGH), #146 of 3,222, #2 in Tennessee. FEMA hazard, Carter, TN: 84/100; NFIP stress, Carter, TN: 94/100; construction, Carter, TN: 55/100; Carter, TN rescores monthly.
Is Carter County insurance distress getting better or worse (TN)?
Carter, TN: 86 in March 2026; Carter, TN: 87 in October 2026 (worse); Carter, TN climate component 83; Carter, TN NFIP claims score 94.
How many flood-insurance claims has Carter County, TN had?
Carter, TN: 85 NFIP claims, three years; Carter, TN paid $3,770,186; per Carter, TN claim $44,355; carriers reprice Carter, TN against that record.
Which Carter County ZIP codes carry the most insurance distress (TN)?
Carter, TN, June 2026: 37604 at 0, 37694 at 0, 37601 at 0, 37658 at 0; Carter, TN climate scores there: 63, 60, 59, 58.
Why does Carter, TN insurance distress create sellers?
A Carter, TN premium outruns the Carter, TN budget; a carrier leaves Carter, TN; Carter, TN carrying cost passes plan; Carter, TN owners sell while current; Carter, TN insurance distress leads Carter, TN foreclosure data.