Obion County, TN: Home-Insurance Distress & Forced-Sale Pressure
Obion County, TN: 67/100 (elevated) home-insurance distress; Obion, TN band MEDIUM; Obion, TN #712 of 3,222 counties; Obion, TN #15 of 95 in Tennessee.
FEMA hazard, Obion, TN: 52/100; Obion, TN declarations, three years: 8; Obion, TN perils: 4 severe-storm; Obion, TN five-year count 10 (severity 18.0); Obion, TN ten-year 10; hazard-weighted, Obion, TN: 4.0.
Declared incidents on the Obion, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Obion, TN); 2023 Severe Storm 2 (Obion, TN).
NFIP claims, Obion, TN, three years: 26; Obion, TN payouts $948,167; per Obion, TN claim $36,468; Obion, TN claim-stress 89/100.
Obion, TN monthly score fell, 71 (March 2026) to 67 (October 2026); Obion, TN by month: March 71, April 71, May 70, June 70 (Obion, TN), July 68, August 78, September 67, October 67.
Obion, TN components: climate 52, NFIP claims 89; Obion, TN retreat index 67.
Construction distress, Obion, TN: 58/100 as of August 2026 (Obion, TN: 58/100 one-to-four unit, 0/100 multifamily).
Obion, TN ZIPs, June 2026 (Obion, TN, 12 highest): score 0 (Obion, TN), climate 82 (Obion, TN): 38233, 38259; score 0 (Obion, TN), climate 80 (Obion, TN): 38240; score 0 (Obion, TN), climate 79 (Obion, TN): 38232, 38253, 38254, 38260, Obion, TN 38261; score 0 (Obion, TN), climate 78 (Obion, TN): 38257; score 0 (Obion, TN), climate 75 (Obion, TN): 38237, 38255; score 0 (Obion, TN), climate 61 (Obion, TN): 38080.
DLRadar rescores Obion, TN monthly; Obion, TN readings join Obion, TN foreclosure, lien and ownership parcels (Obion, TN), so cost-squeezed Obion, TN owners surface before listing.
Inside Tennessee, Obion County ranks 15th of 95 counties for home-insurance distress at 67/100; Hancock County (67/100) sits just above Obion County, and Tipton County (66/100) sits just below Obion County.
Deterministic. Every Obion County, TN signal traces to a public Obion dataset (FEMA, NFIP, Census for Obion, TN) · how insurance distress works in Obion, TN · methodology
FAQ: Obion County, TN insurance distress
What is the Obion County, TN home-insurance-distress score?
Obion, TN: 67/100 (MEDIUM), #712 of 3,222, #15 in Tennessee. FEMA hazard, Obion, TN: 52/100; NFIP stress, Obion, TN: 89/100; construction, Obion, TN: 58/100; Obion, TN rescores monthly.
Is Obion County insurance distress getting better or worse (TN)?
Obion, TN: 71 in March 2026; Obion, TN: 67 in October 2026 (better); Obion, TN climate component 52; Obion, TN NFIP claims score 89.
How many flood-insurance claims has Obion County, TN had?
Obion, TN: 26 NFIP claims, three years; Obion, TN paid $948,167; per Obion, TN claim $36,468; carriers reprice Obion, TN against that record.
Which Obion County ZIP codes carry the most insurance distress (TN)?
Obion, TN, June 2026: 38233 at 0, 38259 at 0, 38240 at 0, 38232 at 0; Obion, TN climate scores there: 82, 82, 80, 79.
Why does Obion, TN insurance distress create sellers?
A Obion, TN premium outruns the Obion, TN budget; a carrier leaves Obion, TN; Obion, TN carrying cost passes plan; Obion, TN owners sell while current; Obion, TN insurance distress leads Obion, TN foreclosure data.