Smith County, TN: Home-Insurance Distress & Forced-Sale Pressure
Smith County, TN: 55/100 (elevated) home-insurance distress; Smith, TN band MEDIUM; Smith, TN #997 of 3,222 counties; Smith, TN #38 of 95 in Tennessee.
FEMA hazard, Smith, TN: 52/100; Smith, TN declarations, three years: 8; Smith, TN perils: 4 severe-storm; Smith, TN five-year count 8 (severity 15.0); Smith, TN ten-year 8; hazard-weighted, Smith, TN: 4.0.
Declared incidents on the Smith, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Smith, TN); 2024 Severe Storm 2 (Smith, TN).
NFIP claims, Smith, TN, three years: 2; Smith, TN payouts $16,643; per Smith, TN claim $8,321; Smith, TN claim-stress 60/100.
Smith, TN monthly score fell, 61 (March 2026) to 55 (October 2026); Smith, TN by month: March 61, April 61, May 60, June 60 (Smith, TN), July 57, August 68, September 57, October 55.
Smith, TN components: climate 52, NFIP claims 60; Smith, TN retreat index 55.
Construction distress, Smith, TN: 36/100 as of August 2026 (Smith, TN: 32/100 one-to-four unit, 95/100 multifamily).
Smith, TN ZIPs, June 2026 (Smith, TN, 15 highest): score 0 (Smith, TN), climate 82 (Smith, TN): 37090; score 0 (Smith, TN), climate 81 (Smith, TN): 37184; score 0 (Smith, TN), climate 75 (Smith, TN): 37087; score 0 (Smith, TN), climate 52 (Smith, TN): 38548; score 0 (Smith, TN), climate 38 (Smith, TN): 37012; score 0 (Smith, TN), climate 26 (Smith, TN): 37030, 37145, 37151, 38547, Smith, TN 38552, 38560, 38563, 38567, Smith, TN 38569; score 0 (Smith, TN), climate 21 (Smith, TN): 37057.
DLRadar rescores Smith, TN monthly; Smith, TN readings join Smith, TN foreclosure, lien and ownership parcels (Smith, TN), so cost-squeezed Smith, TN owners surface before listing.
Inside Tennessee, Smith County ranks 38th of 95 counties for home-insurance distress at 55/100; Stewart County (56/100) sits just above Smith County, and Monroe County (55/100) sits just below Smith County.
Deterministic. Every Smith County, TN signal traces to a public Smith dataset (FEMA, NFIP, Census for Smith, TN) · how insurance distress works in Smith, TN · methodology
FAQ: Smith County, TN insurance distress
What is the Smith County, TN home-insurance-distress score?
Smith, TN: 55/100 (MEDIUM), #997 of 3,222, #38 in Tennessee. FEMA hazard, Smith, TN: 52/100; NFIP stress, Smith, TN: 60/100; construction, Smith, TN: 36/100; Smith, TN rescores monthly.
Is Smith County insurance distress getting better or worse (TN)?
Smith, TN: 61 in March 2026; Smith, TN: 55 in October 2026 (better); Smith, TN climate component 52; Smith, TN NFIP claims score 60.
How many flood-insurance claims has Smith County, TN had?
Smith, TN: 2 NFIP claims, three years; Smith, TN paid $16,643; per Smith, TN claim $8,321; carriers reprice Smith, TN against that record.
Which Smith County ZIP codes carry the most insurance distress (TN)?
Smith, TN, June 2026: 37090 at 0, 37184 at 0, 37087 at 0, 38548 at 0; Smith, TN climate scores there: 82, 81, 75, 52.
Why does Smith, TN insurance distress create sellers?
A Smith, TN premium outruns the Smith, TN budget; a carrier leaves Smith, TN; Smith, TN carrying cost passes plan; Smith, TN owners sell while current; Smith, TN insurance distress leads Smith, TN foreclosure data.