Lauderdale County, TN: Home-Insurance Distress & Forced-Sale Pressure
Lauderdale County, TN: 58/100 (elevated) home-insurance distress; Lauderdale, TN band MEDIUM; Lauderdale, TN #949 of 3,222 counties; Lauderdale, TN #30 of 95 in Tennessee; raw Lauderdale, TN 61.9.
FEMA hazard, Lauderdale, TN: 52/100; Lauderdale, TN declarations, three years: 12; Lauderdale, TN perils: 6 severe-storm; Lauderdale, TN five-year count 10 (severity 18.0); Lauderdale, TN ten-year 10; hazard-weighted, Lauderdale, TN: 6.0.
Declared incidents on the Lauderdale, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Lauderdale, TN); 2023 Severe Storm 2 (Lauderdale, TN).
NFIP claims, Lauderdale, TN, three years: 3; Lauderdale, TN payouts $40,669; per Lauderdale, TN claim $13,556; Lauderdale, TN claim-stress 66/100.
Lauderdale, TN monthly score fell, 63 (March 2026) to 58 (October 2026); Lauderdale, TN by month: March 63, April 63, May 62, June 62 (Lauderdale, TN), July 60, August 70, September 59, October 58.
Lauderdale, TN components: climate 52, NFIP claims 66; Lauderdale, TN retreat index 58.
Construction distress, Lauderdale, TN: 23/100 as of August 2026 (Lauderdale, TN: 33/100 one-to-four unit, 0/100 multifamily).
Lauderdale, TN ZIPs, June 2026 (Lauderdale, TN, 4 highest): score 0 (Lauderdale, TN), climate 66 (Lauderdale, TN): 38041, 38063; score 0 (Lauderdale, TN), climate 65 (Lauderdale, TN): 38040; score 0 (Lauderdale, TN), climate 62 (Lauderdale, TN): 38037.
DLRadar rescores Lauderdale, TN monthly; Lauderdale, TN readings join Lauderdale, TN foreclosure, lien and ownership parcels (Lauderdale, TN), so cost-squeezed Lauderdale, TN owners surface before listing.
Inside Tennessee, Lauderdale County ranks 30th of 95 counties for home-insurance distress at 58/100; Haywood County (58/100) sits just above Lauderdale County, and Jackson County (58/100) sits just below Lauderdale County.
Deterministic. Every Lauderdale County, TN signal traces to a public Lauderdale dataset (FEMA, NFIP, Census for Lauderdale, TN) · how insurance distress works in Lauderdale, TN · methodology
FAQ: Lauderdale County, TN insurance distress
What is the Lauderdale County, TN home-insurance-distress score?
Lauderdale, TN: 58/100 (MEDIUM), #949 of 3,222, #30 in Tennessee. FEMA hazard, Lauderdale, TN: 52/100; NFIP stress, Lauderdale, TN: 66/100; construction, Lauderdale, TN: 23/100; Lauderdale, TN rescores monthly.
Is Lauderdale County insurance distress getting better or worse (TN)?
Lauderdale, TN: 63 in March 2026; Lauderdale, TN: 58 in October 2026 (better); Lauderdale, TN climate component 52; Lauderdale, TN NFIP claims score 66.
How many flood-insurance claims has Lauderdale County, TN had?
Lauderdale, TN: 3 NFIP claims, three years; Lauderdale, TN paid $40,669; per Lauderdale, TN claim $13,556; carriers reprice Lauderdale, TN against that record.
Which Lauderdale County ZIP codes carry the most insurance distress (TN)?
Lauderdale, TN, June 2026: 38041 at 0, 38063 at 0, 38040 at 0, 38037 at 0; Lauderdale, TN climate scores there: 66, 66, 65, 62.
Why does Lauderdale, TN insurance distress create sellers?
A Lauderdale, TN premium outruns the Lauderdale, TN budget; a carrier leaves Lauderdale, TN; Lauderdale, TN carrying cost passes plan; Lauderdale, TN owners sell while current; Lauderdale, TN insurance distress leads Lauderdale, TN foreclosure data.