Cumberland County, TN: Home-Insurance Distress & Forced-Sale Pressure
Cumberland County, TN: 21/100 (low) home-insurance distress; Cumberland, TN band LOW; Cumberland, TN #2,257 of 3,222 counties; Cumberland, TN #79 of 95 in Tennessee; raw Cumberland, TN 24.3; Cumberland, TN coverage multiplier 0.85.
FEMA hazard, Cumberland, TN: 40/100; Cumberland, TN declarations, three years: 6; Cumberland, TN perils: 2 severe-storm; Cumberland, TN five-year count 8 (severity 14.0); Cumberland, TN ten-year 8; hazard-weighted, Cumberland, TN: 2.0.
Declared incidents on the Cumberland, TN record: 2026 Winter Storm 6; 2025 Severe Storm 3 (Cumberland, TN); 2023 Severe Storm 2 (Cumberland, TN).
NFIP claims, Cumberland, TN, three years: none; Cumberland, TN claim-stress 0/100.
Cumberland, TN monthly score fell, 24 (March 2026) to 20 (October 2026); Cumberland, TN by month: March 24, April 24, May 24, June 24 (Cumberland, TN), July 23, August 26, September 21, October 20.
Cumberland, TN components: climate 40; Cumberland, TN retreat index 20; Cumberland, TN climate multiplier 0.85.
Construction distress, Cumberland, TN: 38/100 as of August 2026 (Cumberland, TN: 38/100 one-to-four unit, 0/100 multifamily).
Cumberland, TN ZIPs, June 2026 (Cumberland, TN, 11 highest): score 0 (Cumberland, TN), climate 62 (Cumberland, TN): 37723, 38555, 38558, 38571, Cumberland, TN 38578; score 0 (Cumberland, TN), climate 59 (Cumberland, TN): 37854, 38572; score 0 (Cumberland, TN), climate 53 (Cumberland, TN): 37337; score 0 (Cumberland, TN), climate 49 (Cumberland, TN): 38574; score 0 (Cumberland, TN), climate 38 (Cumberland, TN): 38583; score 0 (Cumberland, TN), climate 22 (Cumberland, TN): 37367.
DLRadar rescores Cumberland, TN monthly; Cumberland, TN readings join Cumberland, TN foreclosure, lien and ownership parcels (Cumberland, TN), so cost-squeezed Cumberland, TN owners surface before listing.
Inside Tennessee, Cumberland County ranks 79th of 95 counties for home-insurance distress at 21/100; Chester County (21/100) sits just above Cumberland County, and Dekalb County (21/100) sits just below Cumberland County.
Deterministic. Every Cumberland County, TN signal traces to a public Cumberland dataset (FEMA, NFIP, Census for Cumberland, TN) · how insurance distress works in Cumberland, TN · methodology
FAQ: Cumberland County, TN insurance distress
What is the Cumberland County, TN home-insurance-distress score?
Cumberland, TN: 21/100 (LOW), #2,257 of 3,222, #79 in Tennessee. FEMA hazard, Cumberland, TN: 40/100; NFIP stress, Cumberland, TN: 0/100; construction, Cumberland, TN: 38/100; Cumberland, TN rescores monthly.
Is Cumberland County insurance distress getting better or worse (TN)?
Cumberland, TN: 24 in March 2026; Cumberland, TN: 20 in October 2026 (better); Cumberland, TN climate component 40.
Which Cumberland County ZIP codes carry the most insurance distress (TN)?
Cumberland, TN, June 2026: 37723 at 0, 38555 at 0, 38558 at 0, 38571 at 0; Cumberland, TN climate scores there: 62, 62, 62, 62.
Why does Cumberland, TN insurance distress create sellers?
A Cumberland, TN premium outruns the Cumberland, TN budget; a carrier leaves Cumberland, TN; Cumberland, TN carrying cost passes plan; Cumberland, TN owners sell while current; Cumberland, TN insurance distress leads Cumberland, TN foreclosure data.