Houston County, TN: Home-Insurance Distress & Forced-Sale Pressure
Houston County, TN: 27/100 (moderate) home-insurance distress; Houston, TN band LOW; Houston, TN #1,800 of 3,222 counties; Houston, TN #66 of 95 in Tennessee; raw Houston, TN 31.2; Houston, TN coverage multiplier 0.85.
FEMA hazard, Houston, TN: 52/100; Houston, TN declarations, three years: 8; Houston, TN perils: 4 severe-storm; Houston, TN five-year count 10 (severity 18.0); Houston, TN ten-year 10; hazard-weighted, Houston, TN: 4.0.
Declared incidents on the Houston, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Houston, TN); 2023 Severe Storm 2 (Houston, TN).
NFIP claims, Houston, TN, three years: none; Houston, TN claim-stress 0/100.
Houston, TN monthly score fell, 30 (March 2026) to 26 (October 2026); Houston, TN by month: March 30, April 30, May 30, June 30 (Houston, TN), July 27, August 36, September 27, October 26.
Houston, TN components: climate 52; Houston, TN retreat index 26; Houston, TN climate multiplier 0.85.
Construction distress, Houston, TN: 48/100 as of August 2026 (Houston, TN: 54/100 one-to-four unit, 44/100 multifamily).
Houston, TN ZIPs, June 2026 (Houston, TN, 8 highest): score 0 (Houston, TN), climate 62 (Houston, TN): 37051; score 0 (Houston, TN), climate 46 (Houston, TN): 37185; score 0 (Houston, TN), climate 45 (Houston, TN): 37101; score 0 (Houston, TN), climate 41 (Houston, TN): 37181; score 0 (Houston, TN), climate 35 (Houston, TN): 37050; score 0 (Houston, TN), climate 18 (Houston, TN): 37175, 37178; score 0 (Houston, TN), climate 14 (Houston, TN): 37061.
DLRadar rescores Houston, TN monthly; Houston, TN readings join Houston, TN foreclosure, lien and ownership parcels (Houston, TN), so cost-squeezed Houston, TN owners surface before listing.
Inside Tennessee, Houston County ranks 66th of 95 counties for home-insurance distress at 27/100; Hickman County (27/100) sits just above Houston County, and Lewis County (27/100) sits just below Houston County.
Deterministic. Every Houston County, TN signal traces to a public Houston dataset (FEMA, NFIP, Census for Houston, TN) · how insurance distress works in Houston, TN · methodology
FAQ: Houston County, TN insurance distress
What is the Houston County, TN home-insurance-distress score?
Houston, TN: 27/100 (LOW), #1,800 of 3,222, #66 in Tennessee. FEMA hazard, Houston, TN: 52/100; NFIP stress, Houston, TN: 0/100; construction, Houston, TN: 48/100; Houston, TN rescores monthly.
Is Houston County insurance distress getting better or worse (TN)?
Houston, TN: 30 in March 2026; Houston, TN: 26 in October 2026 (better); Houston, TN climate component 52.
Which Houston County ZIP codes carry the most insurance distress (TN)?
Houston, TN, June 2026: 37051 at 0, 37185 at 0, 37101 at 0, 37181 at 0; Houston, TN climate scores there: 62, 46, 45, 41.
Why does Houston, TN insurance distress create sellers?
A Houston, TN premium outruns the Houston, TN budget; a carrier leaves Houston, TN; Houston, TN carrying cost passes plan; Houston, TN owners sell while current; Houston, TN insurance distress leads Houston, TN foreclosure data.