Giles County, TN: Home-Insurance Distress & Forced-Sale Pressure
Giles County, TN: 54/100 (elevated) home-insurance distress; Giles, TN band MEDIUM; Giles, TN #1,010 of 3,222 counties; Giles, TN #40 of 95 in Tennessee.
FEMA hazard, Giles, TN: 52/100; Giles, TN declarations, three years: 8; Giles, TN perils: 4 severe-storm; Giles, TN five-year count 12 (severity 19.0); Giles, TN ten-year 12; hazard-weighted, Giles, TN: 4.0.
Declared incidents on the Giles, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Giles, TN); 2024 Severe Storm 2; 2023 Severe Storm 4 (Giles, TN).
NFIP claims, Giles, TN, three years: 1; Giles, TN payouts $14,967; per Giles, TN claim $14,967; Giles, TN claim-stress 58/100.
Giles, TN monthly score fell, 60 (March 2026) to 54 (October 2026); Giles, TN by month: March 60, April 60, May 59, June 59 (Giles, TN), July 57, August 67, September 56, October 54.
Giles, TN components: climate 52, NFIP claims 58; Giles, TN retreat index 54.
Construction distress, Giles, TN: 63/100 as of August 2026 (Giles, TN: 63/100 one-to-four unit, 49/100 multifamily).
Giles, TN ZIPs, June 2026 (Giles, TN, 16 highest): score 0 (Giles, TN), climate 76 (Giles, TN): 38451; score 0 (Giles, TN), climate 74 (Giles, TN): 38474; score 0 (Giles, TN), climate 66 (Giles, TN): 38468; score 0 (Giles, TN), climate 64 (Giles, TN): 38456; score 0 (Giles, TN), climate 63 (Giles, TN): 38464; score 0 (Giles, TN), climate 59 (Giles, TN): 38473; score 0 (Giles, TN), climate 58 (Giles, TN): 38455, 38460, 38472, 38477, Giles, TN 38478; score 0 (Giles, TN), climate 57 (Giles, TN): 38449, 38453; score 0 (Giles, TN), climate 56 (Giles, TN): 38459; score 0 (Giles, TN), climate 55 (Giles, TN): 37144; score 0 (Giles, TN), climate 54 (Giles, TN): 37047.
DLRadar rescores Giles, TN monthly; Giles, TN readings join Giles, TN foreclosure, lien and ownership parcels (Giles, TN), so cost-squeezed Giles, TN owners surface before listing.
Inside Tennessee, Giles County ranks 40th of 95 counties for home-insurance distress at 54/100; Monroe County (55/100) sits just above Giles County, and Pickett County (54/100) sits just below Giles County.
Deterministic. Every Giles County, TN signal traces to a public Giles dataset (FEMA, NFIP, Census for Giles, TN) · how insurance distress works in Giles, TN · methodology
FAQ: Giles County, TN insurance distress
What is the Giles County, TN home-insurance-distress score?
Giles, TN: 54/100 (MEDIUM), #1,010 of 3,222, #40 in Tennessee. FEMA hazard, Giles, TN: 52/100; NFIP stress, Giles, TN: 58/100; construction, Giles, TN: 63/100; Giles, TN rescores monthly.
Is Giles County insurance distress getting better or worse (TN)?
Giles, TN: 60 in March 2026; Giles, TN: 54 in October 2026 (better); Giles, TN climate component 52; Giles, TN NFIP claims score 58.
How many flood-insurance claims has Giles County, TN had?
Giles, TN: 1 NFIP claims, three years; Giles, TN paid $14,967; per Giles, TN claim $14,967; carriers reprice Giles, TN against that record.
Which Giles County ZIP codes carry the most insurance distress (TN)?
Giles, TN, June 2026: 38451 at 0, 38474 at 0, 38468 at 0, 38456 at 0; Giles, TN climate scores there: 76, 74, 66, 64.
Why does Giles, TN insurance distress create sellers?
A Giles, TN premium outruns the Giles, TN budget; a carrier leaves Giles, TN; Giles, TN carrying cost passes plan; Giles, TN owners sell while current; Giles, TN insurance distress leads Giles, TN foreclosure data.