Clay County, TN: Home-Insurance Distress & Forced-Sale Pressure
Clay County, TN: 46/100 (elevated) home-insurance distress; Clay, TN band MEDIUM; Clay, TN #1,180 of 3,222 counties; Clay, TN #51 of 95 in Tennessee; raw Clay, TN 49.5.
FEMA hazard, Clay, TN: 40/100; Clay, TN declarations, three years: 9; Clay, TN perils: 3 severe-storm; Clay, TN five-year count 8 (severity 14.0); Clay, TN ten-year 8; hazard-weighted, Clay, TN: 3.0.
Declared incidents on the Clay, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Clay, TN); 2023 Severe Storm 2 (Clay, TN).
NFIP claims, Clay, TN, three years: 2; Clay, TN payouts $3,981; per Clay, TN claim $1,991; Clay, TN claim-stress 55/100.
Clay, TN monthly score fell, 52 (March 2026) to 46 (October 2026); Clay, TN by month: March 52, April 52, May 52, June 52 (Clay, TN), July 50, August 54, September 48, October 46.
Clay, TN components: climate 40, NFIP claims 55; Clay, TN retreat index 46.
Construction distress, Clay, TN: 36/100 as of August 2026 (Clay, TN: 35/100 one-to-four unit, 16/100 multifamily).
Clay, TN ZIPs, June 2026 (Clay, TN, 7 highest): score 0 (Clay, TN), climate 23 (Clay, TN): 37150; score 0 (Clay, TN), climate 18 (Clay, TN): 38568; score 0 (Clay, TN), climate 17 (Clay, TN): 38588; score 0 (Clay, TN), climate 16 (Clay, TN): 38541, 38573; score 0 (Clay, TN), climate 12 (Clay, TN): 38551, 38575.
DLRadar rescores Clay, TN monthly; Clay, TN readings join Clay, TN foreclosure, lien and ownership parcels (Clay, TN), so cost-squeezed Clay, TN owners surface before listing.
Inside Tennessee, Clay County ranks 51st of 95 counties for home-insurance distress at 46/100; Marshall County (48/100) sits just above Clay County, and Bradley County (45/100) sits just below Clay County.
Deterministic. Every Clay County, TN signal traces to a public Clay dataset (FEMA, NFIP, Census for Clay, TN) · how insurance distress works in Clay, TN · methodology
FAQ: Clay County, TN insurance distress
What is the Clay County, TN home-insurance-distress score?
Clay, TN: 46/100 (MEDIUM), #1,180 of 3,222, #51 in Tennessee. FEMA hazard, Clay, TN: 40/100; NFIP stress, Clay, TN: 55/100; construction, Clay, TN: 36/100; Clay, TN rescores monthly.
Is Clay County insurance distress getting better or worse (TN)?
Clay, TN: 52 in March 2026; Clay, TN: 46 in October 2026 (better); Clay, TN climate component 40; Clay, TN NFIP claims score 55.
How many flood-insurance claims has Clay County, TN had?
Clay, TN: 2 NFIP claims, three years; Clay, TN paid $3,981; per Clay, TN claim $1,991; carriers reprice Clay, TN against that record.
Which Clay County ZIP codes carry the most insurance distress (TN)?
Clay, TN, June 2026: 37150 at 0, 38568 at 0, 38588 at 0, 38541 at 0; Clay, TN climate scores there: 23, 18, 17, 16.
Why does Clay, TN insurance distress create sellers?
A Clay, TN premium outruns the Clay, TN budget; a carrier leaves Clay, TN; Clay, TN carrying cost passes plan; Clay, TN owners sell while current; Clay, TN insurance distress leads Clay, TN foreclosure data.