Hardin County, TN: Home-Insurance Distress & Forced-Sale Pressure
Hardin County, TN: 53/100 (elevated) home-insurance distress; Hardin, TN band MEDIUM; Hardin, TN #1,045 of 3,222 counties; Hardin, TN #42 of 95 in Tennessee; raw Hardin, TN 56.9.
FEMA hazard, Hardin, TN: 52/100; Hardin, TN declarations, three years: 12; Hardin, TN perils: 6 severe-storm; Hardin, TN five-year count 12 (severity 20.0); Hardin, TN ten-year 12; hazard-weighted, Hardin, TN: 6.0.
Declared incidents on the Hardin, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Hardin, TN); 2023 Severe Storm 4 (Hardin, TN).
NFIP claims, Hardin, TN, three years: 1; Hardin, TN payouts $6,376; per Hardin, TN claim $6,376; Hardin, TN claim-stress 54/100.
Hardin, TN monthly score fell, 59 (March 2026) to 53 (October 2026); Hardin, TN by month: March 59, April 59, May 58, June 58 (Hardin, TN), July 55, August 65, September 54, October 53.
Hardin, TN components: climate 52, NFIP claims 54; Hardin, TN retreat index 53.
Construction distress, Hardin, TN: 17/100 as of August 2026 (Hardin, TN: 6/100 one-to-four unit, 35/100 multifamily).
Hardin, TN ZIPs, June 2026 (Hardin, TN, 14 highest): score 0 (Hardin, TN), climate 65 (Hardin, TN): 38326, 38327, 38365, 38370, Hardin, TN 38372, 38376; score 0 (Hardin, TN), climate 64 (Hardin, TN): 38361; score 0 (Hardin, TN), climate 62 (Hardin, TN): 38359, 38371; score 0 (Hardin, TN), climate 59 (Hardin, TN): 38475; score 0 (Hardin, TN), climate 55 (Hardin, TN): 38310; score 0 (Hardin, TN), climate 54 (Hardin, TN): 38357; score 0 (Hardin, TN), climate 52 (Hardin, TN): 38379; score 0 (Hardin, TN), climate 44 (Hardin, TN): 38425.
DLRadar rescores Hardin, TN monthly; Hardin, TN readings join Hardin, TN foreclosure, lien and ownership parcels (Hardin, TN), so cost-squeezed Hardin, TN owners surface before listing.
Inside Tennessee, Hardin County ranks 45th of 95 counties for home-insurance distress at 53/100; Putnam County (53/100) sits just above Hardin County, and Sequatchie County (51/100) sits just below Hardin County.
Deterministic. Every Hardin County, TN signal traces to a public Hardin dataset (FEMA, NFIP, Census for Hardin, TN) · how insurance distress works in Hardin, TN · methodology
FAQ: Hardin County, TN insurance distress
What is the Hardin County, TN home-insurance-distress score?
Hardin, TN: 53/100 (MEDIUM), #1,045 of 3,222, #42 in Tennessee. FEMA hazard, Hardin, TN: 52/100; NFIP stress, Hardin, TN: 54/100; construction, Hardin, TN: 17/100; Hardin, TN rescores monthly.
Is Hardin County insurance distress getting better or worse (TN)?
Hardin, TN: 59 in March 2026; Hardin, TN: 53 in October 2026 (better); Hardin, TN climate component 52; Hardin, TN NFIP claims score 54.
How many flood-insurance claims has Hardin County, TN had?
Hardin, TN: 1 NFIP claims, three years; Hardin, TN paid $6,376; per Hardin, TN claim $6,376; carriers reprice Hardin, TN against that record.
Which Hardin County ZIP codes carry the most insurance distress (TN)?
Hardin, TN, June 2026: 38326 at 0, 38327 at 0, 38365 at 0, 38370 at 0; Hardin, TN climate scores there: 65, 65, 65, 65.
Why does Hardin, TN insurance distress create sellers?
A Hardin, TN premium outruns the Hardin, TN budget; a carrier leaves Hardin, TN; Hardin, TN carrying cost passes plan; Hardin, TN owners sell while current; Hardin, TN insurance distress leads Hardin, TN foreclosure data.