Fayette County, TN: Home-Insurance Distress & Forced-Sale Pressure
Fayette County, TN: 27/100 (moderate) home-insurance distress; Fayette, TN band LOW; Fayette, TN #1,796 of 3,222 counties; Fayette, TN #62 of 95 in Tennessee; raw Fayette, TN 35.3; Fayette, TN coverage multiplier 0.85.
FEMA hazard, Fayette, TN: 52/100; Fayette, TN declarations, three years: 12; Fayette, TN perils: 6 severe-storm; Fayette, TN five-year count 12 (severity 20.0); Fayette, TN ten-year 12; hazard-weighted, Fayette, TN: 6.0.
Declared incidents on the Fayette, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Fayette, TN); 2023 Severe Storm 1 (Fayette, TN).
NFIP claims, Fayette, TN, three years: none; Fayette, TN claim-stress 0/100.
Fayette, TN monthly score fell, 30 (March 2026) to 26 (October 2026); Fayette, TN by month: March 30, April 30, May 30, June 30 (Fayette, TN), July 27, August 36, September 27, October 26.
Fayette, TN components: climate 52; Fayette, TN retreat index 26; Fayette, TN climate multiplier 0.85.
Construction distress, Fayette, TN: 1/100 as of August 2026 (Fayette, TN: 4/100 one-to-four unit, 5/100 multifamily).
Fayette, TN ZIPs, June 2026 (Fayette, TN, 15 highest): score 0 (Fayette, TN), climate 96 (Fayette, TN): 38002; score 0 (Fayette, TN), climate 88 (Fayette, TN): 38017; score 0 (Fayette, TN), climate 86 (Fayette, TN): 38028; score 0 (Fayette, TN), climate 76 (Fayette, TN): 38049; score 0 (Fayette, TN), climate 74 (Fayette, TN): 38036, 38046, 38057, 38060, Fayette, TN 38066, 38068, 38076; score 0 (Fayette, TN), climate 64 (Fayette, TN): 38039; score 0 (Fayette, TN), climate 62 (Fayette, TN): 38069; score 0 (Fayette, TN), climate 59 (Fayette, TN): 38042, 38075.
DLRadar rescores Fayette, TN monthly; Fayette, TN readings join Fayette, TN foreclosure, lien and ownership parcels (Fayette, TN), so cost-squeezed Fayette, TN owners surface before listing.
Inside Tennessee, Fayette County ranks 62nd of 95 counties for home-insurance distress at 27/100; Decatur County (27/100) sits just above Fayette County, and Grundy County (27/100) sits just below Fayette County.
Deterministic. Every Fayette County, TN signal traces to a public Fayette dataset (FEMA, NFIP, Census for Fayette, TN) · how insurance distress works in Fayette, TN · methodology
FAQ: Fayette County, TN insurance distress
What is the Fayette County, TN home-insurance-distress score?
Fayette, TN: 27/100 (LOW), #1,796 of 3,222, #62 in Tennessee. FEMA hazard, Fayette, TN: 52/100; NFIP stress, Fayette, TN: 0/100; construction, Fayette, TN: 1/100; Fayette, TN rescores monthly.
Is Fayette County insurance distress getting better or worse (TN)?
Fayette, TN: 30 in March 2026; Fayette, TN: 26 in October 2026 (better); Fayette, TN climate component 52.
Which Fayette County ZIP codes carry the most insurance distress (TN)?
Fayette, TN, June 2026: 38002 at 0, 38017 at 0, 38028 at 0, 38049 at 0; Fayette, TN climate scores there: 96, 88, 86, 76.
Why does Fayette, TN insurance distress create sellers?
A Fayette, TN premium outruns the Fayette, TN budget; a carrier leaves Fayette, TN; Fayette, TN carrying cost passes plan; Fayette, TN owners sell while current; Fayette, TN insurance distress leads Fayette, TN foreclosure data.