Cheatham County, TN: Home-Insurance Distress & Forced-Sale Pressure
Cheatham County, TN: 65/100 (elevated) home-insurance distress; Cheatham, TN band MEDIUM; Cheatham, TN #774 of 3,222 counties; Cheatham, TN #19 of 95 in Tennessee.
FEMA hazard, Cheatham, TN: 63/100; Cheatham, TN declarations, three years: 10; Cheatham, TN perils: 6 severe-storm; Cheatham, TN five-year count 14 (severity 23.0); Cheatham, TN ten-year 14; hazard-weighted, Cheatham, TN: 6.0.
Declared incidents on the Cheatham, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Cheatham, TN); 2024 Severe Storm 2; 2023 Severe Storm 2 (Cheatham, TN).
NFIP claims, Cheatham, TN, three years: 3; Cheatham, TN payouts $49,383; per Cheatham, TN claim $16,461; Cheatham, TN claim-stress 68/100.
Cheatham, TN monthly score rose, 48 (March 2026) to 63 (October 2026); Cheatham, TN by month: March 48, April 48, May 50, June 50 (Cheatham, TN), July 48, August 59, September 47, October 63.
Cheatham, TN components: climate 60, NFIP claims 68; Cheatham, TN retreat index 63.
Construction distress, Cheatham, TN: 68/100 as of August 2026 (Cheatham, TN: 63/100 one-to-four unit, 87/100 multifamily).
Cheatham, TN ZIPs, June 2026 (Cheatham, TN, 12 highest): score 0 (Cheatham, TN), climate 97 (Cheatham, TN): 37209; score 0 (Cheatham, TN), climate 87 (Cheatham, TN): 37043; score 0 (Cheatham, TN), climate 86 (Cheatham, TN): 37062; score 0 (Cheatham, TN), climate 78 (Cheatham, TN): 37080; score 0 (Cheatham, TN), climate 63 (Cheatham, TN): 37032; score 0 (Cheatham, TN), climate 60 (Cheatham, TN): 37143; score 0 (Cheatham, TN), climate 58 (Cheatham, TN): 37146; score 0 (Cheatham, TN), climate 56 (Cheatham, TN): 37036; score 0 (Cheatham, TN), climate 55 (Cheatham, TN): 37187; score 0 (Cheatham, TN), climate 54 (Cheatham, TN): 37015; score 0 (Cheatham, TN), climate 51 (Cheatham, TN): 37035, 37082.
DLRadar rescores Cheatham, TN monthly; Cheatham, TN readings join Cheatham, TN foreclosure, lien and ownership parcels (Cheatham, TN), so cost-squeezed Cheatham, TN owners surface before listing.
Inside Tennessee, Cheatham County ranks 19th of 95 counties for home-insurance distress at 65/100; Cannon County (65/100) sits just above Cheatham County, and Grainger County (65/100) sits just below Cheatham County.
Deterministic. Every Cheatham County, TN signal traces to a public Cheatham dataset (FEMA, NFIP, Census for Cheatham, TN) · how insurance distress works in Cheatham, TN · methodology
FAQ: Cheatham County, TN insurance distress
What is the Cheatham County, TN home-insurance-distress score?
Cheatham, TN: 65/100 (MEDIUM), #774 of 3,222, #19 in Tennessee. FEMA hazard, Cheatham, TN: 63/100; NFIP stress, Cheatham, TN: 68/100; construction, Cheatham, TN: 68/100; Cheatham, TN rescores monthly.
Is Cheatham County insurance distress getting better or worse (TN)?
Cheatham, TN: 48 in March 2026; Cheatham, TN: 63 in October 2026 (worse); Cheatham, TN climate component 60; Cheatham, TN NFIP claims score 68.
How many flood-insurance claims has Cheatham County, TN had?
Cheatham, TN: 3 NFIP claims, three years; Cheatham, TN paid $49,383; per Cheatham, TN claim $16,461; carriers reprice Cheatham, TN against that record.
Which Cheatham County ZIP codes carry the most insurance distress (TN)?
Cheatham, TN, June 2026: 37209 at 0, 37043 at 0, 37062 at 0, 37080 at 0; Cheatham, TN climate scores there: 97, 87, 86, 78.
Why does Cheatham, TN insurance distress create sellers?
A Cheatham, TN premium outruns the Cheatham, TN budget; a carrier leaves Cheatham, TN; Cheatham, TN carrying cost passes plan; Cheatham, TN owners sell while current; Cheatham, TN insurance distress leads Cheatham, TN foreclosure data.