Lawrence County, TN: Home-Insurance Distress & Forced-Sale Pressure
Lawrence County, TN: 21/100 (low) home-insurance distress; Lawrence, TN band LOW; Lawrence, TN #2,261 of 3,222 counties; Lawrence, TN #83 of 95 in Tennessee; raw Lawrence, TN 24.3; Lawrence, TN coverage multiplier 0.85.
FEMA hazard, Lawrence, TN: 40/100; Lawrence, TN declarations, three years: 6; Lawrence, TN perils: 2 severe-storm; Lawrence, TN five-year count 8 (severity 14.0); Lawrence, TN ten-year 8; hazard-weighted, Lawrence, TN: 2.0.
Declared incidents on the Lawrence, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Lawrence, TN); 2023 Severe Storm 2 (Lawrence, TN).
NFIP claims, Lawrence, TN, three years: none; Lawrence, TN claim-stress 0/100.
Lawrence, TN monthly score fell, 24 (March 2026) to 20 (October 2026); Lawrence, TN by month: March 24, April 24, May 24, June 24 (Lawrence, TN), July 23, August 26, September 21, October 20.
Lawrence, TN components: climate 40; Lawrence, TN retreat index 20; Lawrence, TN climate multiplier 0.85.
Construction distress, Lawrence, TN: 70/100 as of August 2026 (Lawrence, TN: 55/100 one-to-four unit, 99/100 multifamily).
Lawrence, TN ZIPs, June 2026 (Lawrence, TN, 11 highest): score 0 (Lawrence, TN), climate 74 (Lawrence, TN): 38474; score 0 (Lawrence, TN), climate 67 (Lawrence, TN): 38457, 38469, 38481; score 0 (Lawrence, TN), climate 66 (Lawrence, TN): 38468; score 0 (Lawrence, TN), climate 64 (Lawrence, TN): 38456; score 0 (Lawrence, TN), climate 63 (Lawrence, TN): 38464; score 0 (Lawrence, TN), climate 61 (Lawrence, TN): 38486; score 0 (Lawrence, TN), climate 59 (Lawrence, TN): 38473; score 0 (Lawrence, TN), climate 48 (Lawrence, TN): 38483; score 0 (Lawrence, TN), climate 44 (Lawrence, TN): 38463.
DLRadar rescores Lawrence, TN monthly; Lawrence, TN readings join Lawrence, TN foreclosure, lien and ownership parcels (Lawrence, TN), so cost-squeezed Lawrence, TN owners surface before listing.
Inside Tennessee, Lawrence County ranks 83rd of 95 counties for home-insurance distress at 21/100; Lake County (21/100) sits just above Lawrence County, and Loudon County (21/100) sits just below Lawrence County.
Deterministic. Every Lawrence County, TN signal traces to a public Lawrence dataset (FEMA, NFIP, Census for Lawrence, TN) · how insurance distress works in Lawrence, TN · methodology
FAQ: Lawrence County, TN insurance distress
What is the Lawrence County, TN home-insurance-distress score?
Lawrence, TN: 21/100 (LOW), #2,261 of 3,222, #83 in Tennessee. FEMA hazard, Lawrence, TN: 40/100; NFIP stress, Lawrence, TN: 0/100; construction, Lawrence, TN: 70/100; Lawrence, TN rescores monthly.
Is Lawrence County insurance distress getting better or worse (TN)?
Lawrence, TN: 24 in March 2026; Lawrence, TN: 20 in October 2026 (better); Lawrence, TN climate component 40.
Which Lawrence County ZIP codes carry the most insurance distress (TN)?
Lawrence, TN, June 2026: 38474 at 0, 38457 at 0, 38469 at 0, 38481 at 0; Lawrence, TN climate scores there: 74, 67, 67, 67.
Why does Lawrence, TN insurance distress create sellers?
A Lawrence, TN premium outruns the Lawrence, TN budget; a carrier leaves Lawrence, TN; Lawrence, TN carrying cost passes plan; Lawrence, TN owners sell while current; Lawrence, TN insurance distress leads Lawrence, TN foreclosure data.