Mcnairy County, TN: Home-Insurance Distress & Forced-Sale Pressure
Mcnairy County, TN: 27/100 (moderate) home-insurance distress; Mcnairy, TN band LOW; Mcnairy, TN #1,802 of 3,222 counties; Mcnairy, TN #68 of 95 in Tennessee; raw Mcnairy, TN 35.3; Mcnairy, TN coverage multiplier 0.85.
FEMA hazard, Mcnairy, TN: 52/100; Mcnairy, TN declarations, three years: 12; Mcnairy, TN perils: 6 severe-storm; Mcnairy, TN five-year count 10 (severity 18.0); Mcnairy, TN ten-year 10; hazard-weighted, Mcnairy, TN: 6.0.
Declared incidents on the Mcnairy, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Mcnairy, TN); 2023 Severe Storm 2 (Mcnairy, TN).
NFIP claims, Mcnairy, TN, three years: none; Mcnairy, TN claim-stress 0/100.
Mcnairy, TN monthly score fell, 30 (March 2026) to 26 (October 2026); Mcnairy, TN by month: March 30, April 30, May 30, June 30 (Mcnairy, TN), July 27, August 36, September 27, October 26.
Mcnairy, TN components: climate 52; Mcnairy, TN retreat index 26; Mcnairy, TN climate multiplier 0.85.
Construction distress, Mcnairy, TN: 96/100 as of August 2026 (Mcnairy, TN: 3/100 one-to-four unit, 100/100 multifamily).
Mcnairy, TN ZIPs, June 2026 (Mcnairy, TN, 15 highest): score 0 (Mcnairy, TN), climate 65 (Mcnairy, TN): 38376; score 0 (Mcnairy, TN), climate 64 (Mcnairy, TN): 38361; score 0 (Mcnairy, TN), climate 62 (Mcnairy, TN): 38359; score 0 (Mcnairy, TN), climate 55 (Mcnairy, TN): 38044, 38310; score 0 (Mcnairy, TN), climate 54 (Mcnairy, TN): 38357; score 0 (Mcnairy, TN), climate 52 (Mcnairy, TN): 38061, 38379; score 0 (Mcnairy, TN), climate 50 (Mcnairy, TN): 38315, 38339, 38367, 38375; score 0 (Mcnairy, TN), climate 48 (Mcnairy, TN): 38334; score 0 (Mcnairy, TN), climate 46 (Mcnairy, TN): 38340; score 0 (Mcnairy, TN), climate 45 (Mcnairy, TN): 38332.
DLRadar rescores Mcnairy, TN monthly; Mcnairy, TN readings join Mcnairy, TN foreclosure, lien and ownership parcels (Mcnairy, TN), so cost-squeezed Mcnairy, TN owners surface before listing.
Inside Tennessee, Mcnairy County ranks 68th of 95 counties for home-insurance distress at 27/100; Lewis County (27/100) sits just above Mcnairy County, and Macon County (27/100) sits just below Mcnairy County.
Deterministic. Every Mcnairy County, TN signal traces to a public Mcnairy dataset (FEMA, NFIP, Census for Mcnairy, TN) · how insurance distress works in Mcnairy, TN · methodology
FAQ: Mcnairy County, TN insurance distress
What is the Mcnairy County, TN home-insurance-distress score?
Mcnairy, TN: 27/100 (LOW), #1,802 of 3,222, #68 in Tennessee. FEMA hazard, Mcnairy, TN: 52/100; NFIP stress, Mcnairy, TN: 0/100; construction, Mcnairy, TN: 96/100; Mcnairy, TN rescores monthly.
Is Mcnairy County insurance distress getting better or worse (TN)?
Mcnairy, TN: 30 in March 2026; Mcnairy, TN: 26 in October 2026 (better); Mcnairy, TN climate component 52.
Which Mcnairy County ZIP codes carry the most insurance distress (TN)?
Mcnairy, TN, June 2026: 38376 at 0, 38361 at 0, 38359 at 0, 38044 at 0; Mcnairy, TN climate scores there: 65, 64, 62, 55.
Why does Mcnairy, TN insurance distress create sellers?
A Mcnairy, TN premium outruns the Mcnairy, TN budget; a carrier leaves Mcnairy, TN; Mcnairy, TN carrying cost passes plan; Mcnairy, TN owners sell while current; Mcnairy, TN insurance distress leads Mcnairy, TN foreclosure data.