Madison County, TN: Home-Insurance Distress & Forced-Sale Pressure
Madison County, TN: 63/100 (elevated) home-insurance distress; Madison, TN band MEDIUM; Madison, TN #814 of 3,222 counties; Madison, TN #21 of 95 in Tennessee.
FEMA hazard, Madison, TN: 52/100; Madison, TN declarations, three years: 8; Madison, TN perils: 4 severe-storm; Madison, TN five-year count 10 (severity 18.0); Madison, TN ten-year 10; hazard-weighted, Madison, TN: 4.0.
Declared incidents on the Madison, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Madison, TN); 2023 Severe Storm 2 (Madison, TN).
NFIP claims, Madison, TN, three years: 4; Madison, TN payouts $212,276; per Madison, TN claim $53,069; Madison, TN claim-stress 80/100.
Madison, TN monthly score fell, 68 (March 2026) to 63 (October 2026); Madison, TN by month: March 68, April 68, May 67, June 67 (Madison, TN), July 64, August 75, September 64, October 63.
Madison, TN components: climate 52, NFIP claims 80; Madison, TN retreat index 63.
Construction distress, Madison, TN: 47/100 as of August 2026 (Madison, TN: 47/100 one-to-four unit, 0/100 multifamily).
Madison, TN ZIPs, June 2026 (Madison, TN, 13 highest): score 0 (Madison, TN), climate 91 (Madison, TN): 38301, 38305, 38362, 38391; score 0 (Madison, TN), climate 89 (Madison, TN): 38355; score 0 (Madison, TN), climate 82 (Madison, TN): 38392; score 0 (Madison, TN), climate 78 (Madison, TN): 38343, 38366; score 0 (Madison, TN), climate 76 (Madison, TN): 38356; score 0 (Madison, TN), climate 74 (Madison, TN): 38313; score 0 (Madison, TN), climate 70 (Madison, TN): 38348; score 0 (Madison, TN), climate 61 (Madison, TN): 38351; score 0 (Madison, TN), climate 56 (Madison, TN): 38006.
DLRadar rescores Madison, TN monthly; Madison, TN readings join Madison, TN foreclosure, lien and ownership parcels (Madison, TN), so cost-squeezed Madison, TN owners surface before listing.
Inside Tennessee, Madison County ranks 21st of 95 counties for home-insurance distress at 63/100; Grainger County (65/100) sits just above Madison County, and Henry County (62/100) sits just below Madison County.
Deterministic. Every Madison County, TN signal traces to a public Madison dataset (FEMA, NFIP, Census for Madison, TN) · how insurance distress works in Madison, TN · methodology
FAQ: Madison County, TN insurance distress
What is the Madison County, TN home-insurance-distress score?
Madison, TN: 63/100 (MEDIUM), #814 of 3,222, #21 in Tennessee. FEMA hazard, Madison, TN: 52/100; NFIP stress, Madison, TN: 80/100; construction, Madison, TN: 47/100; Madison, TN rescores monthly.
Is Madison County insurance distress getting better or worse (TN)?
Madison, TN: 68 in March 2026; Madison, TN: 63 in October 2026 (better); Madison, TN climate component 52; Madison, TN NFIP claims score 80.
How many flood-insurance claims has Madison County, TN had?
Madison, TN: 4 NFIP claims, three years; Madison, TN paid $212,276; per Madison, TN claim $53,069; carriers reprice Madison, TN against that record.
Which Madison County ZIP codes carry the most insurance distress (TN)?
Madison, TN, June 2026: 38301 at 0, 38305 at 0, 38362 at 0, 38391 at 0; Madison, TN climate scores there: 91, 91, 91, 91.
Why does Madison, TN insurance distress create sellers?
A Madison, TN premium outruns the Madison, TN budget; a carrier leaves Madison, TN; Madison, TN carrying cost passes plan; Madison, TN owners sell while current; Madison, TN insurance distress leads Madison, TN foreclosure data.