Shelby County, TN: Home-Insurance Distress & Forced-Sale Pressure
Shelby County, TN: 66/100 (elevated) home-insurance distress; Shelby, TN band MEDIUM; Shelby, TN #755 of 3,222 counties; Shelby, TN #19 of 95 in Tennessee; raw Shelby, TN 69.8.
FEMA hazard, Shelby, TN: 52/100; Shelby, TN declarations, three years: 12; Shelby, TN perils: 6 severe-storm; Shelby, TN five-year count 14 (severity 22.0); Shelby, TN ten-year 14; hazard-weighted, Shelby, TN: 6.0.
Declared incidents on the Shelby, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Shelby, TN); 2023 Winter Storm 2; 2023 Severe Storm 1 (Shelby, TN).
NFIP claims, Shelby, TN, three years: 30; Shelby, TN payouts $720,423; per Shelby, TN claim $24,014; Shelby, TN claim-stress 86/100.
Shelby, TN monthly score fell, 69 (March 2026) to 66 (October 2026); Shelby, TN by month: March 69, April 69, May 69, June 69 (Shelby, TN), July 66, August 76, September 65, October 66.
Shelby, TN components: climate 52, NFIP claims 86; Shelby, TN retreat index 66.
Construction distress, Shelby, TN: 0/100 as of August 2026 (Shelby, TN: 32/100 one-to-four unit, 0/100 multifamily).
Shelby, TN ZIPs, June 2026 (Shelby, TN, 16 highest): score 0 (Shelby, TN), climate 99 (Shelby, TN): 38016, 38018, 38029, 38054, Shelby, TN 38103, 38104, 38105, 38106, Shelby, TN 38107, 38108, 38109, 38111, Shelby, TN 38112, 38113, 38114, 38115.
DLRadar rescores Shelby, TN monthly; Shelby, TN readings join Shelby, TN foreclosure, lien and ownership parcels (Shelby, TN), so cost-squeezed Shelby, TN owners surface before listing.
Inside Tennessee, Shelby County ranks 17th of 95 counties for home-insurance distress at 66/100; Tipton County (66/100) sits just above Shelby County, and Cannon County (65/100) sits just below Shelby County.
Deterministic. Every Shelby County, TN signal traces to a public Shelby dataset (FEMA, NFIP, Census for Shelby, TN) · how insurance distress works in Shelby, TN · methodology
FAQ: Shelby County, TN insurance distress
What is the Shelby County, TN home-insurance-distress score?
Shelby, TN: 66/100 (MEDIUM), #755 of 3,222, #19 in Tennessee. FEMA hazard, Shelby, TN: 52/100; NFIP stress, Shelby, TN: 86/100; construction, Shelby, TN: 0/100; Shelby, TN rescores monthly.
Is Shelby County insurance distress getting better or worse (TN)?
Shelby, TN: 69 in March 2026; Shelby, TN: 66 in October 2026 (better); Shelby, TN climate component 52; Shelby, TN NFIP claims score 86.
How many flood-insurance claims has Shelby County, TN had?
Shelby, TN: 30 NFIP claims, three years; Shelby, TN paid $720,423; per Shelby, TN claim $24,014; carriers reprice Shelby, TN against that record.
Which Shelby County ZIP codes carry the most insurance distress (TN)?
Shelby, TN, June 2026: 38016 at 0, 38018 at 0, 38029 at 0, 38054 at 0; Shelby, TN climate scores there: 99, 99, 99, 99.
Why does Shelby, TN insurance distress create sellers?
A Shelby, TN premium outruns the Shelby, TN budget; a carrier leaves Shelby, TN; Shelby, TN carrying cost passes plan; Shelby, TN owners sell while current; Shelby, TN insurance distress leads Shelby, TN foreclosure data.