Lake County, TN: Home-Insurance Distress & Forced-Sale Pressure
Lake County, TN: 21/100 (low) home-insurance distress; Lake, TN band LOW; Lake, TN #2,260 of 3,222 counties; Lake, TN #82 of 95 in Tennessee; raw Lake, TN 27.4; Lake, TN coverage multiplier 0.85.
FEMA hazard, Lake, TN: 40/100; Lake, TN declarations, three years: 9; Lake, TN perils: 3 severe-storm; Lake, TN five-year count 8 (severity 14.0); Lake, TN ten-year 8; hazard-weighted, Lake, TN: 3.0.
Declared incidents on the Lake, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Lake, TN); 2023 Severe Storm 2 (Lake, TN).
NFIP claims, Lake, TN, three years: none; Lake, TN claim-stress 0/100.
Lake, TN monthly score fell, 24 (March 2026) to 20 (October 2026); Lake, TN by month: March 24, April 24, May 24, June 24 (Lake, TN), July 23, August 26, September 21, October 20.
Lake, TN components: climate 40; Lake, TN retreat index 20; Lake, TN climate multiplier 0.85.
Construction distress, Lake, TN: 28/100 as of August 2026 (Lake, TN: 28/100 one-to-four unit, 0/100 multifamily).
Lake, TN ZIPs, June 2026 (Lake, TN, 3 highest): score 0 (Lake, TN), climate 61 (Lake, TN): 38080; score 0 (Lake, TN), climate 41 (Lake, TN): 38077, 38079.
DLRadar rescores Lake, TN monthly; Lake, TN readings join Lake, TN foreclosure, lien and ownership parcels (Lake, TN), so cost-squeezed Lake, TN owners surface before listing.
Inside Tennessee, Lake County ranks 82nd of 95 counties for home-insurance distress at 21/100; Fentress County (21/100) sits just above Lake County, and Lawrence County (21/100) sits just below Lake County.
Deterministic. Every Lake County, TN signal traces to a public Lake dataset (FEMA, NFIP, Census for Lake, TN) · how insurance distress works in Lake, TN · methodology
FAQ: Lake County, TN insurance distress
What is the Lake County, TN home-insurance-distress score?
Lake, TN: 21/100 (LOW), #2,260 of 3,222, #82 in Tennessee. FEMA hazard, Lake, TN: 40/100; NFIP stress, Lake, TN: 0/100; construction, Lake, TN: 28/100; Lake, TN rescores monthly.
Is Lake County insurance distress getting better or worse (TN)?
Lake, TN: 24 in March 2026; Lake, TN: 20 in October 2026 (better); Lake, TN climate component 40.
Which Lake County ZIP codes carry the most insurance distress (TN)?
Lake, TN, June 2026: 38080 at 0, 38077 at 0, 38079 at 0; Lake, TN climate scores there: 61, 41, 41.
Why does Lake, TN insurance distress create sellers?
A Lake, TN premium outruns the Lake, TN budget; a carrier leaves Lake, TN; Lake, TN carrying cost passes plan; Lake, TN owners sell while current; Lake, TN insurance distress leads Lake, TN foreclosure data.