Smith County, TN: Home-Insurance Distress & Forced-Sale Pressure
DLRadar grades Smith County, Tennessee at 56/100 for home-insurance distress, an elevated level that places it #941 of 3,222 counties, in the upper half of U.S. counties. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.
With construction distress at 39/100, the cost to rebuild is elevated, which feeds directly into what carriers charge.
It is the combination -- 51/100 hazard, 63/100 claims -- that makes carrying cost the operative trigger here rather than the loan.
The county's three-year flood-loss ledger — 2 claims, $16,643 paid (~$8,321/claim) — is the evidence carriers use to justify higher rates or withdrawal.
Insurance distress rarely travels by itself, so DLRadar aligns Smith County's 56/100 with foreclosure, lien and ownership records — separating owners squeezed only by coverage from those under broader strain.
Each month new hazard revisions and claim settlements refresh Smith County, keeping its insurance-distress score aligned with the live market.
Driving it: a FEMA hazard score of 51/100; NFIP flood-claim stress of 63/100 over three years, all of which push carriers toward higher rates or non-renewal.
Read as a targeting input, 56/100 puts Smith County #941 of 3,222 — high enough that renewal-driven listings should be expected rather than treated as outliers.
The nationwide monthly build covers all 3,222 counties and connects Smith County reading to real foreclosure, tax-lien and ownership records. The payoff is early contact with insurance-pressured sellers, not late.
Deterministic. Every signal traces to a public dataset (FEMA, NFIP, Census) · how insurance distress works · methodology
Smith County insurance distress — FAQ
What is the home-insurance-distress score for Smith County, Tennessee?
Smith County registers 56/100 on DLRadar home-insurance distress scale, a monthly read built from FEMA hazard, NFIP claim and carrier-pressure inputs.
What does the flood-loss record look like in Smith County?
In the last three years NFIP settled 2 flood claims in Smith County totaling $16,643, near $8,321 per claim. Insurers read that ledger directly into premiums and renewal decisions.
Why is insurance distress a leading signal in Smith County?
A premium that outpaces the budget -- or a carrier that stops writing in Smith County altogether -- lifts carrying cost past what the owner planned for. Selling becomes the rational response, and it typically happens before any default appears in the record, which is why the signal leads rather than lags.