Hardeman County, TN: Home-Insurance Distress & Forced-Sale Pressure
Hardeman County, TN: 27/100 (moderate) home-insurance distress; Hardeman, TN band LOW; Hardeman, TN #1,798 of 3,222 counties; Hardeman, TN #64 of 95 in Tennessee; raw Hardeman, TN 31.2; Hardeman, TN coverage multiplier 0.85.
FEMA hazard, Hardeman, TN: 52/100; Hardeman, TN declarations, three years: 8; Hardeman, TN perils: 4 severe-storm; Hardeman, TN five-year count 10 (severity 18.0); Hardeman, TN ten-year 10; hazard-weighted, Hardeman, TN: 4.0.
Declared incidents on the Hardeman, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Hardeman, TN); 2023 Severe Storm 2 (Hardeman, TN).
NFIP claims, Hardeman, TN, three years: none; Hardeman, TN claim-stress 0/100.
Hardeman, TN monthly score fell, 30 (March 2026) to 26 (October 2026); Hardeman, TN by month: March 30, April 30, May 30, June 30 (Hardeman, TN), July 27, August 36, September 27, October 26.
Hardeman, TN components: climate 52; Hardeman, TN retreat index 26; Hardeman, TN climate multiplier 0.85.
Construction distress, Hardeman, TN: 49/100 as of August 2026 (Hardeman, TN: 45/100 one-to-four unit, 16/100 multifamily).
Hardeman, TN ZIPs, June 2026 (Hardeman, TN, 12 highest): score 0 (Hardeman, TN), climate 82 (Hardeman, TN): 38392; score 0 (Hardeman, TN), climate 76 (Hardeman, TN): 38356; score 0 (Hardeman, TN), climate 64 (Hardeman, TN): 38039; score 0 (Hardeman, TN), climate 59 (Hardeman, TN): 38042, 38075; score 0 (Hardeman, TN), climate 57 (Hardeman, TN): 38008, 38052, 38067, 38381; score 0 (Hardeman, TN), climate 55 (Hardeman, TN): 38044; score 0 (Hardeman, TN), climate 52 (Hardeman, TN): 38061; score 0 (Hardeman, TN), climate 46 (Hardeman, TN): 38340.
DLRadar rescores Hardeman, TN monthly; Hardeman, TN readings join Hardeman, TN foreclosure, lien and ownership parcels (Hardeman, TN), so cost-squeezed Hardeman, TN owners surface before listing.
Inside Tennessee, Hardeman County ranks 64th of 95 counties for home-insurance distress at 27/100; Grundy County (27/100) sits just above Hardeman County, and Hickman County (27/100) sits just below Hardeman County.
Deterministic. Every Hardeman County, TN signal traces to a public Hardeman dataset (FEMA, NFIP, Census for Hardeman, TN) · how insurance distress works in Hardeman, TN · methodology
FAQ: Hardeman County, TN insurance distress
What is the Hardeman County, TN home-insurance-distress score?
Hardeman, TN: 27/100 (LOW), #1,798 of 3,222, #64 in Tennessee. FEMA hazard, Hardeman, TN: 52/100; NFIP stress, Hardeman, TN: 0/100; construction, Hardeman, TN: 49/100; Hardeman, TN rescores monthly.
Is Hardeman County insurance distress getting better or worse (TN)?
Hardeman, TN: 30 in March 2026; Hardeman, TN: 26 in October 2026 (better); Hardeman, TN climate component 52.
Which Hardeman County ZIP codes carry the most insurance distress (TN)?
Hardeman, TN, June 2026: 38392 at 0, 38356 at 0, 38039 at 0, 38042 at 0; Hardeman, TN climate scores there: 82, 76, 64, 59.
Why does Hardeman, TN insurance distress create sellers?
A Hardeman, TN premium outruns the Hardeman, TN budget; a carrier leaves Hardeman, TN; Hardeman, TN carrying cost passes plan; Hardeman, TN owners sell while current; Hardeman, TN insurance distress leads Hardeman, TN foreclosure data.