Unicoi County, TN: Home-Insurance Distress & Forced-Sale Pressure
Unicoi County, TN: 87/100 (severe) home-insurance distress; Unicoi, TN band HIGH; Unicoi, TN #177 of 3,222 counties; Unicoi, TN #5 of 95 in Tennessee; raw Unicoi, TN 90.9.
FEMA hazard, Unicoi, TN: 84/100; Unicoi, TN declarations, three years: 15; Unicoi, TN perils: 6 tropical-storm, 3 severe-storm; Unicoi, TN five-year count 10 (severity 18.0); Unicoi, TN ten-year 10; hazard-weighted, Unicoi, TN: 21.0.
Declared incidents on the Unicoi, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Unicoi, TN); 2024 Tropical Storm 4 (Unicoi, TN).
NFIP claims, Unicoi, TN, three years: 18; Unicoi, TN payouts $1,029,097; per Unicoi, TN claim $57,172; Unicoi, TN claim-stress 91/100.
Unicoi, TN monthly score rose, 85 (March 2026) to 86 (October 2026); Unicoi, TN by month: March 85, April 85, May 90, June 90 (Unicoi, TN), July 87, August 94, September 87, October 86.
Unicoi, TN components: climate 83, NFIP claims 91; Unicoi, TN retreat index 86.
Construction distress, Unicoi, TN: 46/100 as of August 2026 (Unicoi, TN: 40/100 one-to-four unit, 33/100 multifamily).
Unicoi, TN ZIPs, June 2026 (Unicoi, TN, 6 highest): score 0 (Unicoi, TN), climate 59 (Unicoi, TN): 37601; score 0 (Unicoi, TN), climate 58 (Unicoi, TN): 37658; score 0 (Unicoi, TN), climate 57 (Unicoi, TN): 37643; score 0 (Unicoi, TN), climate 13 (Unicoi, TN): 37650; score 0 (Unicoi, TN), climate 11 (Unicoi, TN): 37657, 37692.
DLRadar rescores Unicoi, TN monthly; Unicoi, TN readings join Unicoi, TN foreclosure, lien and ownership parcels (Unicoi, TN), so cost-squeezed Unicoi, TN owners surface before listing.
Inside Tennessee, Unicoi County ranks 5th of 95 counties for home-insurance distress at 87/100; Johnson County (88/100) sits just above Unicoi County, and Greene County (87/100) sits just below Unicoi County.
Deterministic. Every Unicoi County, TN signal traces to a public Unicoi dataset (FEMA, NFIP, Census for Unicoi, TN) · how insurance distress works in Unicoi, TN · methodology
FAQ: Unicoi County, TN insurance distress
What is the Unicoi County, TN home-insurance-distress score?
Unicoi, TN: 87/100 (HIGH), #177 of 3,222, #5 in Tennessee. FEMA hazard, Unicoi, TN: 84/100; NFIP stress, Unicoi, TN: 91/100; construction, Unicoi, TN: 46/100; Unicoi, TN rescores monthly.
Is Unicoi County insurance distress getting better or worse (TN)?
Unicoi, TN: 85 in March 2026; Unicoi, TN: 86 in October 2026 (worse); Unicoi, TN climate component 83; Unicoi, TN NFIP claims score 91.
How many flood-insurance claims has Unicoi County, TN had?
Unicoi, TN: 18 NFIP claims, three years; Unicoi, TN paid $1,029,097; per Unicoi, TN claim $57,172; carriers reprice Unicoi, TN against that record.
Which Unicoi County ZIP codes carry the most insurance distress (TN)?
Unicoi, TN, June 2026: 37601 at 0, 37658 at 0, 37643 at 0, 37650 at 0; Unicoi, TN climate scores there: 59, 58, 57, 13.
Why does Unicoi, TN insurance distress create sellers?
A Unicoi, TN premium outruns the Unicoi, TN budget; a carrier leaves Unicoi, TN; Unicoi, TN carrying cost passes plan; Unicoi, TN owners sell while current; Unicoi, TN insurance distress leads Unicoi, TN foreclosure data.