Lincoln County, TN: Home-Insurance Distress & Forced-Sale Pressure
Lincoln County, TN: 54/100 (elevated) home-insurance distress; Lincoln, TN band MEDIUM; Lincoln, TN #1,025 of 3,222 counties; Lincoln, TN #42 of 95 in Tennessee.
FEMA hazard, Lincoln, TN: 40/100; Lincoln, TN declarations, three years: 6; Lincoln, TN perils: 2 severe-storm; Lincoln, TN five-year count 6 (severity 12.0); Lincoln, TN ten-year 6; hazard-weighted, Lincoln, TN: 2.0.
Declared incidents on the Lincoln, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Lincoln, TN).
NFIP claims, Lincoln, TN, three years: 3; Lincoln, TN payouts $92,339; per Lincoln, TN claim $30,780; Lincoln, TN claim-stress 73/100.
Lincoln, TN monthly score fell, 59 (March 2026) to 53 (October 2026); Lincoln, TN by month: March 59, April 59, May 58, June 58 (Lincoln, TN), July 56, August 61, September 54, October 53.
Lincoln, TN components: climate 40, NFIP claims 73; Lincoln, TN retreat index 53.
Construction distress, Lincoln, TN: 34/100 as of August 2026 (Lincoln, TN: 32/100 one-to-four unit, 93/100 multifamily).
Lincoln, TN ZIPs, June 2026 (Lincoln, TN, 12 highest): score 0 (Lincoln, TN), climate 58 (Lincoln, TN): 38478; score 0 (Lincoln, TN), climate 57 (Lincoln, TN): 38449, 38453; score 0 (Lincoln, TN), climate 56 (Lincoln, TN): 37328, 37335, 37348, 38459, Lincoln, TN 38488; score 0 (Lincoln, TN), climate 55 (Lincoln, TN): 37144; score 0 (Lincoln, TN), climate 54 (Lincoln, TN): 37047; score 0 (Lincoln, TN), climate 53 (Lincoln, TN): 37334; score 0 (Lincoln, TN), climate 47 (Lincoln, TN): 37359.
DLRadar rescores Lincoln, TN monthly; Lincoln, TN readings join Lincoln, TN foreclosure, lien and ownership parcels (Lincoln, TN), so cost-squeezed Lincoln, TN owners surface before listing.
Inside Tennessee, Lincoln County ranks 42nd of 95 counties for home-insurance distress at 54/100; Pickett County (54/100) sits just above Lincoln County, and Coffee County (53/100) sits just below Lincoln County.
Deterministic. Every Lincoln County, TN signal traces to a public Lincoln dataset (FEMA, NFIP, Census for Lincoln, TN) · how insurance distress works in Lincoln, TN · methodology
FAQ: Lincoln County, TN insurance distress
What is the Lincoln County, TN home-insurance-distress score?
Lincoln, TN: 54/100 (MEDIUM), #1,025 of 3,222, #42 in Tennessee. FEMA hazard, Lincoln, TN: 40/100; NFIP stress, Lincoln, TN: 73/100; construction, Lincoln, TN: 34/100; Lincoln, TN rescores monthly.
Is Lincoln County insurance distress getting better or worse (TN)?
Lincoln, TN: 59 in March 2026; Lincoln, TN: 53 in October 2026 (better); Lincoln, TN climate component 40; Lincoln, TN NFIP claims score 73.
How many flood-insurance claims has Lincoln County, TN had?
Lincoln, TN: 3 NFIP claims, three years; Lincoln, TN paid $92,339; per Lincoln, TN claim $30,780; carriers reprice Lincoln, TN against that record.
Which Lincoln County ZIP codes carry the most insurance distress (TN)?
Lincoln, TN, June 2026: 38478 at 0, 38449 at 0, 38453 at 0, 37328 at 0; Lincoln, TN climate scores there: 58, 57, 57, 56.
Why does Lincoln, TN insurance distress create sellers?
A Lincoln, TN premium outruns the Lincoln, TN budget; a carrier leaves Lincoln, TN; Lincoln, TN carrying cost passes plan; Lincoln, TN owners sell while current; Lincoln, TN insurance distress leads Lincoln, TN foreclosure data.