Decatur County, TN: Home-Insurance Distress & Forced-Sale Pressure
Decatur County, TN: 27/100 (moderate) home-insurance distress; Decatur, TN band LOW; Decatur, TN #1,795 of 3,222 counties; Decatur, TN #61 of 95 in Tennessee; raw Decatur, TN 31.2; Decatur, TN coverage multiplier 0.85.
FEMA hazard, Decatur, TN: 52/100; Decatur, TN declarations, three years: 8; Decatur, TN perils: 4 severe-storm; Decatur, TN five-year count 10 (severity 18.0); Decatur, TN ten-year 10; hazard-weighted, Decatur, TN: 4.0.
Declared incidents on the Decatur, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Decatur, TN); 2023 Severe Storm 2 (Decatur, TN).
NFIP claims, Decatur, TN, three years: none; Decatur, TN claim-stress 0/100.
Decatur, TN monthly score held, 30 (March 2026) to 30 (October 2026); Decatur, TN by month: March 30, April 30, May 30, June 30 (Decatur, TN), July 27, August 36, September 27, October 30.
Decatur, TN components: climate 58; Decatur, TN retreat index 30; Decatur, TN climate multiplier 0.85.
Construction distress, Decatur, TN: 55/100 as of August 2026 (Decatur, TN: 55/100 one-to-four unit, 0/100 multifamily).
Decatur, TN ZIPs, June 2026 (Decatur, TN, 9 highest): score 0 (Decatur, TN), climate 62 (Decatur, TN): 38371; score 0 (Decatur, TN), climate 61 (Decatur, TN): 38388; score 0 (Decatur, TN), climate 57 (Decatur, TN): 38328; score 0 (Decatur, TN), climate 47 (Decatur, TN): 38374; score 0 (Decatur, TN), climate 36 (Decatur, TN): 38341; score 0 (Decatur, TN), climate 35 (Decatur, TN): 38329; score 0 (Decatur, TN), climate 34 (Decatur, TN): 38363, 38380; score 0 (Decatur, TN), climate 33 (Decatur, TN): 38311.
DLRadar rescores Decatur, TN monthly; Decatur, TN readings join Decatur, TN foreclosure, lien and ownership parcels (Decatur, TN), so cost-squeezed Decatur, TN owners surface before listing.
Inside Tennessee, Decatur County ranks 61st of 95 counties for home-insurance distress at 27/100; Crockett County (27/100) sits just above Decatur County, and Fayette County (27/100) sits just below Decatur County.
Deterministic. Every Decatur County, TN signal traces to a public Decatur dataset (FEMA, NFIP, Census for Decatur, TN) · how insurance distress works in Decatur, TN · methodology
FAQ: Decatur County, TN insurance distress
What is the Decatur County, TN home-insurance-distress score?
Decatur, TN: 27/100 (LOW), #1,795 of 3,222, #61 in Tennessee. FEMA hazard, Decatur, TN: 52/100; NFIP stress, Decatur, TN: 0/100; construction, Decatur, TN: 55/100; Decatur, TN rescores monthly.
Is Decatur County insurance distress getting better or worse (TN)?
Decatur, TN: 30 in March 2026; Decatur, TN: 30 in October 2026 (unchanged); Decatur, TN climate component 58.
Which Decatur County ZIP codes carry the most insurance distress (TN)?
Decatur, TN, June 2026: 38371 at 0, 38388 at 0, 38328 at 0, 38374 at 0; Decatur, TN climate scores there: 62, 61, 57, 47.
Why does Decatur, TN insurance distress create sellers?
A Decatur, TN premium outruns the Decatur, TN budget; a carrier leaves Decatur, TN; Decatur, TN carrying cost passes plan; Decatur, TN owners sell while current; Decatur, TN insurance distress leads Decatur, TN foreclosure data.