Sumner County, TN: Home-Insurance Distress & Forced-Sale Pressure
Sumner County, TN: 67/100 (elevated) home-insurance distress; Sumner, TN band MEDIUM; Sumner, TN #703 of 3,222 counties; Sumner, TN #13 of 95 in Tennessee.
FEMA hazard, Sumner, TN: 52/100; Sumner, TN declarations, three years: 8; Sumner, TN perils: 4 severe-storm; Sumner, TN five-year count 12 (severity 19.0); Sumner, TN ten-year 12; hazard-weighted, Sumner, TN: 4.0.
Declared incidents on the Sumner, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Sumner, TN); 2024 Severe Storm 2; 2023 Severe Storm 2 (Sumner, TN).
NFIP claims, Sumner, TN, three years: 55; Sumner, TN payouts $1,551,182; per Sumner, TN claim $28,203; Sumner, TN claim-stress 90/100.
Sumner, TN monthly score fell, 71 (March 2026) to 67 (October 2026); Sumner, TN by month: March 71, April 71, May 71, June 71 (Sumner, TN), July 68, August 78, September 67, October 67.
Sumner, TN components: climate 52, NFIP claims 90; Sumner, TN retreat index 67.
Construction distress, Sumner, TN: 98/100 as of August 2026 (Sumner, TN: 61/100 one-to-four unit, 99/100 multifamily).
Sumner, TN ZIPs, June 2026 (Sumner, TN, 10 highest): score 0 (Sumner, TN), climate 89 (Sumner, TN): 37066, 37072, 37075; score 0 (Sumner, TN), climate 87 (Sumner, TN): 37048; score 0 (Sumner, TN), climate 85 (Sumner, TN): 37148; score 0 (Sumner, TN), climate 77 (Sumner, TN): 37022; score 0 (Sumner, TN), climate 71 (Sumner, TN): 37031; score 0 (Sumner, TN), climate 70 (Sumner, TN): 37188; score 0 (Sumner, TN), climate 63 (Sumner, TN): 37049, 37186.
DLRadar rescores Sumner, TN monthly; Sumner, TN readings join Sumner, TN foreclosure, lien and ownership parcels (Sumner, TN), so cost-squeezed Sumner, TN owners surface before listing.
Inside Tennessee, Sumner County ranks 13th of 95 counties for home-insurance distress at 67/100; Sullivan County (68/100) sits just above Sumner County, and Hancock County (67/100) sits just below Sumner County.
Deterministic. Every Sumner County, TN signal traces to a public Sumner dataset (FEMA, NFIP, Census for Sumner, TN) · how insurance distress works in Sumner, TN · methodology
FAQ: Sumner County, TN insurance distress
What is the Sumner County, TN home-insurance-distress score?
Sumner, TN: 67/100 (MEDIUM), #703 of 3,222, #13 in Tennessee. FEMA hazard, Sumner, TN: 52/100; NFIP stress, Sumner, TN: 90/100; construction, Sumner, TN: 98/100; Sumner, TN rescores monthly.
Is Sumner County insurance distress getting better or worse (TN)?
Sumner, TN: 71 in March 2026; Sumner, TN: 67 in October 2026 (better); Sumner, TN climate component 52; Sumner, TN NFIP claims score 90.
How many flood-insurance claims has Sumner County, TN had?
Sumner, TN: 55 NFIP claims, three years; Sumner, TN paid $1,551,182; per Sumner, TN claim $28,203; carriers reprice Sumner, TN against that record.
Which Sumner County ZIP codes carry the most insurance distress (TN)?
Sumner, TN, June 2026: 37066 at 0, 37072 at 0, 37075 at 0, 37048 at 0; Sumner, TN climate scores there: 89, 89, 89, 87.
Why does Sumner, TN insurance distress create sellers?
A Sumner, TN premium outruns the Sumner, TN budget; a carrier leaves Sumner, TN; Sumner, TN carrying cost passes plan; Sumner, TN owners sell while current; Sumner, TN insurance distress leads Sumner, TN foreclosure data.