Roane County, TN: Home-Insurance Distress & Forced-Sale Pressure
Roane County, TN: 48/100 (elevated) home-insurance distress; Roane, TN band MEDIUM; Roane, TN #1,134 of 3,222 counties; Roane, TN #49 of 95 in Tennessee.
FEMA hazard, Roane, TN: 40/100; Roane, TN declarations, three years: 6; Roane, TN perils: 2 severe-storm; Roane, TN five-year count 8 (severity 14.0); Roane, TN ten-year 8; hazard-weighted, Roane, TN: 2.0.
Declared incidents on the Roane, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Roane, TN); 2023 Severe Storm 2 (Roane, TN).
NFIP claims, Roane, TN, three years: 1; Roane, TN payouts $18,674; per Roane, TN claim $18,674; Roane, TN claim-stress 60/100.
Roane, TN monthly score rose, 35 (March 2026) to 48 (October 2026); Roane, TN by month: March 35, April 35, May 35, June 35 (Roane, TN), July 33, August 38, September 31, October 48.
Roane, TN components: climate 40, NFIP claims 60; Roane, TN retreat index 48.
Construction distress, Roane, TN: 53/100 as of August 2026 (Roane, TN: 51/100 one-to-four unit, 35/100 multifamily).
Roane, TN ZIPs, June 2026 (Roane, TN, 10 highest): score 0 (Roane, TN), climate 70 (Roane, TN): 37830; score 0 (Roane, TN), climate 66 (Roane, TN): 37763, 37771, 37774; score 0 (Roane, TN), climate 64 (Roane, TN): 37846; score 0 (Roane, TN), climate 59 (Roane, TN): 37854; score 0 (Roane, TN), climate 58 (Roane, TN): 37874; score 0 (Roane, TN), climate 53 (Roane, TN): 37748; score 0 (Roane, TN), climate 48 (Roane, TN): 37840; score 0 (Roane, TN), climate 35 (Roane, TN): 37880.
DLRadar rescores Roane, TN monthly; Roane, TN readings join Roane, TN foreclosure, lien and ownership parcels (Roane, TN), so cost-squeezed Roane, TN owners surface before listing.
Inside Tennessee, Roane County ranks 49th of 95 counties for home-insurance distress at 48/100; Union County (50/100) sits just above Roane County, and Marshall County (48/100) sits just below Roane County.
Deterministic. Every Roane County, TN signal traces to a public Roane dataset (FEMA, NFIP, Census for Roane, TN) · how insurance distress works in Roane, TN · methodology
FAQ: Roane County, TN insurance distress
What is the Roane County, TN home-insurance-distress score?
Roane, TN: 48/100 (MEDIUM), #1,134 of 3,222, #49 in Tennessee. FEMA hazard, Roane, TN: 40/100; NFIP stress, Roane, TN: 60/100; construction, Roane, TN: 53/100; Roane, TN rescores monthly.
Is Roane County insurance distress getting better or worse (TN)?
Roane, TN: 35 in March 2026; Roane, TN: 48 in October 2026 (worse); Roane, TN climate component 40; Roane, TN NFIP claims score 60.
How many flood-insurance claims has Roane County, TN had?
Roane, TN: 1 NFIP claims, three years; Roane, TN paid $18,674; per Roane, TN claim $18,674; carriers reprice Roane, TN against that record.
Which Roane County ZIP codes carry the most insurance distress (TN)?
Roane, TN, June 2026: 37830 at 0, 37763 at 0, 37771 at 0, 37774 at 0; Roane, TN climate scores there: 70, 66, 66, 66.
Why does Roane, TN insurance distress create sellers?
A Roane, TN premium outruns the Roane, TN budget; a carrier leaves Roane, TN; Roane, TN carrying cost passes plan; Roane, TN owners sell while current; Roane, TN insurance distress leads Roane, TN foreclosure data.