Henderson County, TN: Home-Insurance Distress & Forced-Sale Pressure
Henderson County, TN: 61/100 (elevated) home-insurance distress; Henderson, TN band MEDIUM; Henderson, TN #877 of 3,222 counties; Henderson, TN #23 of 95 in Tennessee; raw Henderson, TN 64.7.
FEMA hazard, Henderson, TN: 52/100; Henderson, TN declarations, three years: 12; Henderson, TN perils: 6 severe-storm; Henderson, TN five-year count 12 (severity 20.0); Henderson, TN ten-year 12; hazard-weighted, Henderson, TN: 6.0.
Declared incidents on the Henderson, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Henderson, TN); 2023 Winter Storm 2; 2023 Severe Storm 2 (Henderson, TN).
NFIP claims, Henderson, TN, three years: 2; Henderson, TN payouts $91,570; per Henderson, TN claim $45,785; Henderson, TN claim-stress 73/100.
Henderson, TN monthly score fell, 65 (March 2026) to 60 (October 2026); Henderson, TN by month: March 65, April 65, May 65, June 65 (Henderson, TN), July 62, August 72, September 61, October 60.
Henderson, TN components: climate 52, NFIP claims 73; Henderson, TN retreat index 60.
Construction distress, Henderson, TN: 27/100 as of August 2026 (Henderson, TN: 27/100 one-to-four unit, 0/100 multifamily).
Henderson, TN ZIPs, June 2026 (Henderson, TN, 14 highest): score 0 (Henderson, TN), climate 74 (Henderson, TN): 38313; score 0 (Henderson, TN), climate 68 (Henderson, TN): 38390; score 0 (Henderson, TN), climate 66 (Henderson, TN): 38321; score 0 (Henderson, TN), climate 65 (Henderson, TN): 38370; score 0 (Henderson, TN), climate 62 (Henderson, TN): 38371; score 0 (Henderson, TN), climate 61 (Henderson, TN): 38345, 38351, 38388; score 0 (Henderson, TN), climate 58 (Henderson, TN): 38368; score 0 (Henderson, TN), climate 57 (Henderson, TN): 38328; score 0 (Henderson, TN), climate 50 (Henderson, TN): 38352; score 0 (Henderson, TN), climate 47 (Henderson, TN): 38374; score 0 (Henderson, TN), climate 35 (Henderson, TN): 38329; score 0 (Henderson, TN), climate 34 (Henderson, TN): 38363.
DLRadar rescores Henderson, TN monthly; Henderson, TN readings join Henderson, TN foreclosure, lien and ownership parcels (Henderson, TN), so cost-squeezed Henderson, TN owners surface before listing.
Inside Tennessee, Henderson County ranks 23rd of 95 counties for home-insurance distress at 61/100; Henry County (62/100) sits just above Henderson County, and Wilson County (60/100) sits just below Henderson County.
Deterministic. Every Henderson County, TN signal traces to a public Henderson dataset (FEMA, NFIP, Census for Henderson, TN) · how insurance distress works in Henderson, TN · methodology
FAQ: Henderson County, TN insurance distress
What is the Henderson County, TN home-insurance-distress score?
Henderson, TN: 61/100 (MEDIUM), #877 of 3,222, #23 in Tennessee. FEMA hazard, Henderson, TN: 52/100; NFIP stress, Henderson, TN: 73/100; construction, Henderson, TN: 27/100; Henderson, TN rescores monthly.
Is Henderson County insurance distress getting better or worse (TN)?
Henderson, TN: 65 in March 2026; Henderson, TN: 60 in October 2026 (better); Henderson, TN climate component 52; Henderson, TN NFIP claims score 73.
How many flood-insurance claims has Henderson County, TN had?
Henderson, TN: 2 NFIP claims, three years; Henderson, TN paid $91,570; per Henderson, TN claim $45,785; carriers reprice Henderson, TN against that record.
Which Henderson County ZIP codes carry the most insurance distress (TN)?
Henderson, TN, June 2026: 38313 at 0, 38390 at 0, 38321 at 0, 38370 at 0; Henderson, TN climate scores there: 74, 68, 66, 65.
Why does Henderson, TN insurance distress create sellers?
A Henderson, TN premium outruns the Henderson, TN budget; a carrier leaves Henderson, TN; Henderson, TN carrying cost passes plan; Henderson, TN owners sell while current; Henderson, TN insurance distress leads Henderson, TN foreclosure data.