Morgan County, TN: Home-Insurance Distress & Forced-Sale Pressure
Morgan County, TN: 21/100 (low) home-insurance distress; Morgan, TN band LOW; Morgan, TN #2,267 of 3,222 counties; Morgan, TN #89 of 95 in Tennessee; raw Morgan, TN 24.3; Morgan, TN coverage multiplier 0.85.
FEMA hazard, Morgan, TN: 40/100; Morgan, TN declarations, three years: 6; Morgan, TN perils: 2 severe-storm; Morgan, TN five-year count 8 (severity 14.0); Morgan, TN ten-year 8; hazard-weighted, Morgan, TN: 2.0.
Declared incidents on the Morgan, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Morgan, TN); 2023 Severe Storm 2 (Morgan, TN).
NFIP claims, Morgan, TN, three years: none; Morgan, TN claim-stress 0/100.
Morgan, TN monthly score fell, 24 (March 2026) to 20 (October 2026); Morgan, TN by month: March 24, April 24, May 24, June 24 (Morgan, TN), July 23, August 26, September 21, October 20.
Morgan, TN components: climate 40; Morgan, TN retreat index 20; Morgan, TN climate multiplier 0.85.
Construction distress, Morgan, TN: 10/100 as of August 2026 (Morgan, TN: 10/100 one-to-four unit, 2/100 multifamily).
Morgan, TN ZIPs, June 2026 (Morgan, TN, 12 highest): score 0 (Morgan, TN), climate 59 (Morgan, TN): 37854; score 0 (Morgan, TN), climate 53 (Morgan, TN): 37748; score 0 (Morgan, TN), climate 48 (Morgan, TN): 37840; score 0 (Morgan, TN), climate 22 (Morgan, TN): 37852; score 0 (Morgan, TN), climate 20 (Morgan, TN): 37726, 37872; score 0 (Morgan, TN), climate 19 (Morgan, TN): 37719, 37733, 37770, 37829, Morgan, TN 37845, 37887.
DLRadar rescores Morgan, TN monthly; Morgan, TN readings join Morgan, TN foreclosure, lien and ownership parcels (Morgan, TN), so cost-squeezed Morgan, TN owners surface before listing.
Inside Tennessee, Morgan County ranks 89th of 95 counties for home-insurance distress at 21/100; Moore County (21/100) sits just above Morgan County, and Overton County (21/100) sits just below Morgan County.
Deterministic. Every Morgan County, TN signal traces to a public Morgan dataset (FEMA, NFIP, Census for Morgan, TN) · how insurance distress works in Morgan, TN · methodology
FAQ: Morgan County, TN insurance distress
What is the Morgan County, TN home-insurance-distress score?
Morgan, TN: 21/100 (LOW), #2,267 of 3,222, #89 in Tennessee. FEMA hazard, Morgan, TN: 40/100; NFIP stress, Morgan, TN: 0/100; construction, Morgan, TN: 10/100; Morgan, TN rescores monthly.
Is Morgan County insurance distress getting better or worse (TN)?
Morgan, TN: 24 in March 2026; Morgan, TN: 20 in October 2026 (better); Morgan, TN climate component 40.
Which Morgan County ZIP codes carry the most insurance distress (TN)?
Morgan, TN, June 2026: 37854 at 0, 37748 at 0, 37840 at 0, 37852 at 0; Morgan, TN climate scores there: 59, 53, 48, 22.
Why does Morgan, TN insurance distress create sellers?
A Morgan, TN premium outruns the Morgan, TN budget; a carrier leaves Morgan, TN; Morgan, TN carrying cost passes plan; Morgan, TN owners sell while current; Morgan, TN insurance distress leads Morgan, TN foreclosure data.