Union County, TN: Home-Insurance Distress & Forced-Sale Pressure
Union County, TN: 50/100 (elevated) home-insurance distress; Union, TN band MEDIUM; Union, TN #1,093 of 3,222 counties; Union, TN #48 of 95 in Tennessee; raw Union, TN 52.9.
FEMA hazard, Union, TN: 40/100; Union, TN declarations, three years: 9; Union, TN perils: 3 severe-storm; Union, TN five-year count 6 (severity 12.0); Union, TN ten-year 6; hazard-weighted, Union, TN: 3.0.
Declared incidents on the Union, TN record: 2026 Winter Storm 4; 2025 Severe Storm 2 (Union, TN).
NFIP claims, Union, TN, three years: 2; Union, TN payouts $29,297; per Union, TN claim $14,648; Union, TN claim-stress 64/100.
Union, TN monthly score fell, 55 (March 2026) to 50 (October 2026); Union, TN by month: March 55, April 55, May 54, June 54 (Union, TN), July 53, August 57, September 51, October 50.
Union, TN components: climate 40, NFIP claims 64; Union, TN retreat index 50.
Construction distress, Union, TN: 44/100 as of August 2026 (Union, TN: 46/100 one-to-four unit, 16/100 multifamily).
Union, TN ZIPs, June 2026 (Union, TN, 11 highest): score 0 (Union, TN), climate 92 (Union, TN): 37938; score 0 (Union, TN), climate 85 (Union, TN): 37721; score 0 (Union, TN), climate 75 (Union, TN): 37754; score 0 (Union, TN), climate 53 (Union, TN): 37705; score 0 (Union, TN), climate 38 (Union, TN): 37825, 37870; score 0 (Union, TN), climate 16 (Union, TN): 37779, 37888; score 0 (Union, TN), climate 15 (Union, TN): 37848; score 0 (Union, TN), climate 14 (Union, TN): 37807; score 0 (Union, TN), climate 13 (Union, TN): 37866.
DLRadar rescores Union, TN monthly; Union, TN readings join Union, TN foreclosure, lien and ownership parcels (Union, TN), so cost-squeezed Union, TN owners surface before listing.
Inside Tennessee, Union County ranks 48th of 95 counties for home-insurance distress at 50/100; Anderson County (50/100) sits just above Union County, and Roane County (48/100) sits just below Union County.
Deterministic. Every Union County, TN signal traces to a public Union dataset (FEMA, NFIP, Census for Union, TN) · how insurance distress works in Union, TN · methodology
FAQ: Union County, TN insurance distress
What is the Union County, TN home-insurance-distress score?
Union, TN: 50/100 (MEDIUM), #1,093 of 3,222, #48 in Tennessee. FEMA hazard, Union, TN: 40/100; NFIP stress, Union, TN: 64/100; construction, Union, TN: 44/100; Union, TN rescores monthly.
Is Union County insurance distress getting better or worse (TN)?
Union, TN: 55 in March 2026; Union, TN: 50 in October 2026 (better); Union, TN climate component 40; Union, TN NFIP claims score 64.
How many flood-insurance claims has Union County, TN had?
Union, TN: 2 NFIP claims, three years; Union, TN paid $29,297; per Union, TN claim $14,648; carriers reprice Union, TN against that record.
Which Union County ZIP codes carry the most insurance distress (TN)?
Union, TN, June 2026: 37938 at 0, 37721 at 0, 37754 at 0, 37705 at 0; Union, TN climate scores there: 92, 85, 75, 53.
Why does Union, TN insurance distress create sellers?
A Union, TN premium outruns the Union, TN budget; a carrier leaves Union, TN; Union, TN carrying cost passes plan; Union, TN owners sell while current; Union, TN insurance distress leads Union, TN foreclosure data.