Fentress County, TN: Home-Insurance Distress & Forced-Sale Pressure
Fentress County, Tennessee carries a low home-insurance-distress reading of 21/100 — ranked #2228 nationally, in the lower-risk band nationally. More and more, it is the insurance bill rather than the mortgage that turns a Fentress County owner into a seller.
Read as a targeting input, 21/100 puts Fentress County #2228 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
It is the combination -- 41/100 hazard, 0/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
Flood losses tell the story: 0 NFIP claims and $0 paid out over three years, averaging $0 apiece -- exactly the history that hardens rates.
Behind the score sit a FEMA hazard score of 41/100; NFIP flood-claim stress of 0/100 over three years, each a factor insurers weigh when they raise rates or exit a market.
Monthly rebuilds keep Fentress County honest: 21/100 reflects the renewal environment carriers are pricing right now.
Insurers set premiums from replacement cost, and at 0/100 that input is running hot in Fentress County.
On its own 21/100 is half a picture, so Fentress County's reading is joined to foreclosure, tax-lien and turnover data to show whether coverage stress stacks on other distress.
One model, every county, refreshed monthly from federal hazard and carrier data, tied back to individual parcels and their liens. That is how coverage-pressured owners surface before they reach the open market.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Fentress County insurance distress — FAQ
What is the home-insurance-distress score for Fentress County, Tennessee?
DLRadar puts Fentress County at 21/100 for home-insurance distress, scored the same way as every other U.S. county.
What is Fentress County three-year flood-claim total?
Fentress County recorded 0 NFIP flood claims over the trailing three years, with $0 paid -- the loss record carriers price against.
How does home-insurance pressure produce motivated sellers in Fentress County?
In Fentress County, a coverage bill that outruns the owner's budget - or a carrier that simply exits - can push total carrying cost past the breaking point. Those owners frequently sell ahead of any missed payment, so insurance distress works as an early, upstream read on future seller supply.