Dekalb County, TN: Home-Insurance Distress & Forced-Sale Pressure
Dekalb County, TN: 21/100 (low) home-insurance distress; Dekalb, TN band LOW; Dekalb, TN #2,258 of 3,222 counties; Dekalb, TN #80 of 95 in Tennessee; raw Dekalb, TN 27.4; Dekalb, TN coverage multiplier 0.85.
FEMA hazard, Dekalb, TN: 40/100; Dekalb, TN declarations, three years: 9; Dekalb, TN perils: 3 severe-storm; Dekalb, TN five-year count 6 (severity 12.0); Dekalb, TN ten-year 6; hazard-weighted, Dekalb, TN: 3.0.
Declared incidents on the Dekalb, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Dekalb, TN).
NFIP claims, Dekalb, TN, three years: none; Dekalb, TN claim-stress 0/100.
Dekalb, TN monthly score fell, 24 (March 2026) to 20 (October 2026); Dekalb, TN by month: March 24, April 24, May 24, June 24 (Dekalb, TN), July 23, August 26, September 21, October 20.
Dekalb, TN components: climate 40; Dekalb, TN retreat index 20; Dekalb, TN climate multiplier 0.85.
Construction distress, Dekalb, TN: 49/100 as of August 2026 (Dekalb, TN: 49/100 one-to-four unit, 63/100 multifamily).
Dekalb, TN ZIPs, June 2026 (Dekalb, TN, 11 highest): score 0 (Dekalb, TN), climate 61 (Dekalb, TN): 38544; score 0 (Dekalb, TN), climate 52 (Dekalb, TN): 38548; score 0 (Dekalb, TN), climate 47 (Dekalb, TN): 38582; score 0 (Dekalb, TN), climate 38 (Dekalb, TN): 37012, 38583; score 0 (Dekalb, TN), climate 34 (Dekalb, TN): 38581; score 0 (Dekalb, TN), climate 27 (Dekalb, TN): 37166; score 0 (Dekalb, TN), climate 26 (Dekalb, TN): 37095, 38567, 38569; score 0 (Dekalb, TN), climate 25 (Dekalb, TN): 37059.
DLRadar rescores Dekalb, TN monthly; Dekalb, TN readings join Dekalb, TN foreclosure, lien and ownership parcels (Dekalb, TN), so cost-squeezed Dekalb, TN owners surface before listing.
Inside Tennessee, Dekalb County ranks 80th of 95 counties for home-insurance distress at 21/100; Cumberland County (21/100) sits just above Dekalb County, and Fentress County (21/100) sits just below Dekalb County.
Deterministic. Every Dekalb County, TN signal traces to a public Dekalb dataset (FEMA, NFIP, Census for Dekalb, TN) · how insurance distress works in Dekalb, TN · methodology
FAQ: Dekalb County, TN insurance distress
What is the Dekalb County, TN home-insurance-distress score?
Dekalb, TN: 21/100 (LOW), #2,258 of 3,222, #80 in Tennessee. FEMA hazard, Dekalb, TN: 40/100; NFIP stress, Dekalb, TN: 0/100; construction, Dekalb, TN: 49/100; Dekalb, TN rescores monthly.
Is Dekalb County insurance distress getting better or worse (TN)?
Dekalb, TN: 24 in March 2026; Dekalb, TN: 20 in October 2026 (better); Dekalb, TN climate component 40.
Which Dekalb County ZIP codes carry the most insurance distress (TN)?
Dekalb, TN, June 2026: 38544 at 0, 38548 at 0, 38582 at 0, 37012 at 0; Dekalb, TN climate scores there: 61, 52, 47, 38.
Why does Dekalb, TN insurance distress create sellers?
A Dekalb, TN premium outruns the Dekalb, TN budget; a carrier leaves Dekalb, TN; Dekalb, TN carrying cost passes plan; Dekalb, TN owners sell while current; Dekalb, TN insurance distress leads Dekalb, TN foreclosure data.