Putnam County, TN: Home-Insurance Distress & Forced-Sale Pressure
Putnam County, TN: 53/100 (elevated) home-insurance distress; Putnam, TN band MEDIUM; Putnam, TN #1,037 of 3,222 counties; Putnam, TN #44 of 95 in Tennessee.
FEMA hazard, Putnam, TN: 40/100; Putnam, TN declarations, three years: 6; Putnam, TN perils: 2 severe-storm; Putnam, TN five-year count 8 (severity 14.0); Putnam, TN ten-year 8; hazard-weighted, Putnam, TN: 2.0.
Declared incidents on the Putnam, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Putnam, TN); 2023 Winter Storm 2 (Putnam, TN).
NFIP claims, Putnam, TN, three years: 2; Putnam, TN payouts $75,888; per Putnam, TN claim $37,944; Putnam, TN claim-stress 72/100.
Putnam, TN monthly score rose, 35 (March 2026) to 53 (October 2026); Putnam, TN by month: March 35, April 35, May 35, June 35 (Putnam, TN), July 33, August 38, September 31, October 53.
Putnam, TN components: climate 40, NFIP claims 72; Putnam, TN retreat index 53.
Construction distress, Putnam, TN: 47/100 as of August 2026 (Putnam, TN: 60/100 one-to-four unit, 0/100 multifamily).
Putnam, TN ZIPs, June 2026 (Putnam, TN, 11 highest): score 0 (Putnam, TN), climate 66 (Putnam, TN): 38503, 38505; score 0 (Putnam, TN), climate 61 (Putnam, TN): 38544; score 0 (Putnam, TN), climate 54 (Putnam, TN): 38506; score 0 (Putnam, TN), climate 52 (Putnam, TN): 38548; score 0 (Putnam, TN), climate 49 (Putnam, TN): 38574; score 0 (Putnam, TN), climate 48 (Putnam, TN): 38501; score 0 (Putnam, TN), climate 47 (Putnam, TN): 38582; score 0 (Putnam, TN), climate 38 (Putnam, TN): 38583; score 0 (Putnam, TN), climate 33 (Putnam, TN): 38545; score 0 (Putnam, TN), climate 22 (Putnam, TN): 38564.
DLRadar rescores Putnam, TN monthly; Putnam, TN readings join Putnam, TN foreclosure, lien and ownership parcels (Putnam, TN), so cost-squeezed Putnam, TN owners surface before listing.
Inside Tennessee, Putnam County ranks 44th of 95 counties for home-insurance distress at 53/100; Coffee County (53/100) sits just above Putnam County, and Hardin County (53/100) sits just below Putnam County.
Deterministic. Every Putnam County, TN signal traces to a public Putnam dataset (FEMA, NFIP, Census for Putnam, TN) · how insurance distress works in Putnam, TN · methodology
FAQ: Putnam County, TN insurance distress
What is the Putnam County, TN home-insurance-distress score?
Putnam, TN: 53/100 (MEDIUM), #1,037 of 3,222, #44 in Tennessee. FEMA hazard, Putnam, TN: 40/100; NFIP stress, Putnam, TN: 72/100; construction, Putnam, TN: 47/100; Putnam, TN rescores monthly.
Is Putnam County insurance distress getting better or worse (TN)?
Putnam, TN: 35 in March 2026; Putnam, TN: 53 in October 2026 (worse); Putnam, TN climate component 40; Putnam, TN NFIP claims score 72.
How many flood-insurance claims has Putnam County, TN had?
Putnam, TN: 2 NFIP claims, three years; Putnam, TN paid $75,888; per Putnam, TN claim $37,944; carriers reprice Putnam, TN against that record.
Which Putnam County ZIP codes carry the most insurance distress (TN)?
Putnam, TN, June 2026: 38503 at 0, 38505 at 0, 38544 at 0, 38506 at 0; Putnam, TN climate scores there: 66, 66, 61, 54.
Why does Putnam, TN insurance distress create sellers?
A Putnam, TN premium outruns the Putnam, TN budget; a carrier leaves Putnam, TN; Putnam, TN carrying cost passes plan; Putnam, TN owners sell while current; Putnam, TN insurance distress leads Putnam, TN foreclosure data.