Decatur County, TN: Home-Insurance Distress & Forced-Sale Pressure
Decatur County, Tennessee carries a moderate home-insurance-distress reading of 26/100 — ranked #1826 nationally, in the lower-risk band nationally. The trigger here is the premium, not the payment: uninsurable or unaffordable coverage moves owners to list ahead of any default.
Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 0/100 over three years, all of which push carriers toward higher rates or non-renewal.
Construction distress sits at 59/100, so the replacement cost insurers underwrite against is elevated here.
The Decatur County figures refresh on a monthly cadence as FEMA hazard revisions, new NFIP claim settlements and updated carrier filings land, so the 26/100 reading reflects the current renewal environment rather than a historical average.
The federal flood record here -- 0 claims at roughly $0 each -- is the loss experience premiums are built on.
In practice, Decatur County's moderate insurance-distress level (26/100, #1826 nationally) marks it as a place to watch owner behavior: as renewals land, households that can no longer carry the premium become the motivated sellers worth reaching early.
It is the combination -- 51/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
On its own 26/100 is half a picture, so Decatur County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then links it to parcel-level foreclosure, tax-lien and ownership signals. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Decatur County insurance distress — FAQ
Is home insurance a problem for owners in Decatur County, Tennessee?
On the insurance-distress measure Decatur County comes in at 26/100, recomputed every month from federal and carrier sources.
What is Decatur County three-year flood-claim total?
Decatur County logged 0 NFIP flood claims over three years, $0 paid (about $0 each) - the kind of realized-loss record that reprices coverage and thins the carrier pool.
How does carrying cost push Decatur County owners to sell?
When premiums in Decatur County rise faster than owners budgeted - or carriers stop writing policies altogether - the carrying cost of a home can climb past what an owner can sustain. Many list and sell rather than absorb it, often before any mortgage-default or foreclosure signal appears, which is why DLRadar treats insurance distress as an upstream, leading indicator of supply.