Wayne County, TN: Home-Insurance Distress & Forced-Sale Pressure
Wayne County, TN: 27/100 (moderate) home-insurance distress; Wayne, TN band LOW; Wayne, TN #1,806 of 3,222 counties; Wayne, TN #72 of 95 in Tennessee; raw Wayne, TN 31.2; Wayne, TN coverage multiplier 0.85.
FEMA hazard, Wayne, TN: 52/100; Wayne, TN declarations, three years: 8; Wayne, TN perils: 4 severe-storm; Wayne, TN five-year count 12 (severity 20.0); Wayne, TN ten-year 12; hazard-weighted, Wayne, TN: 4.0.
Declared incidents on the Wayne, TN record: 2026 Winter Storm 4; 2025 Severe Storm 4 (Wayne, TN); 2023 Severe Storm 4 (Wayne, TN).
NFIP claims, Wayne, TN, three years: none; Wayne, TN claim-stress 0/100.
Wayne, TN monthly score fell, 30 (March 2026) to 26 (October 2026); Wayne, TN by month: March 30, April 30, May 30, June 30 (Wayne, TN), July 27, August 36, September 27, October 26.
Wayne, TN components: climate 52; Wayne, TN retreat index 26; Wayne, TN climate multiplier 0.85.
Construction distress, Wayne, TN: 13/100 as of August 2026 (Wayne, TN: 9/100 one-to-four unit, 32/100 multifamily).
Wayne, TN ZIPs, June 2026 (Wayne, TN, 10 highest): score 0 (Wayne, TN), climate 63 (Wayne, TN): 38464; score 0 (Wayne, TN), climate 61 (Wayne, TN): 38486; score 0 (Wayne, TN), climate 59 (Wayne, TN): 38475; score 0 (Wayne, TN), climate 44 (Wayne, TN): 38425, 38463; score 0 (Wayne, TN), climate 38 (Wayne, TN): 38450, 38452, 38471, 38485; score 0 (Wayne, TN), climate 28 (Wayne, TN): 37096.
DLRadar rescores Wayne, TN monthly; Wayne, TN readings join Wayne, TN foreclosure, lien and ownership parcels (Wayne, TN), so cost-squeezed Wayne, TN owners surface before listing.
Inside Tennessee, Wayne County ranks 72nd of 95 counties for home-insurance distress at 27/100; Polk County (27/100) sits just above Wayne County, and Bedford County (21/100) sits just below Wayne County.
Deterministic. Every Wayne County, TN signal traces to a public Wayne dataset (FEMA, NFIP, Census for Wayne, TN) · how insurance distress works in Wayne, TN · methodology
FAQ: Wayne County, TN insurance distress
What is the Wayne County, TN home-insurance-distress score?
Wayne, TN: 27/100 (LOW), #1,806 of 3,222, #72 in Tennessee. FEMA hazard, Wayne, TN: 52/100; NFIP stress, Wayne, TN: 0/100; construction, Wayne, TN: 13/100; Wayne, TN rescores monthly.
Is Wayne County insurance distress getting better or worse (TN)?
Wayne, TN: 30 in March 2026; Wayne, TN: 26 in October 2026 (better); Wayne, TN climate component 52.
Which Wayne County ZIP codes carry the most insurance distress (TN)?
Wayne, TN, June 2026: 38464 at 0, 38486 at 0, 38475 at 0, 38425 at 0; Wayne, TN climate scores there: 63, 61, 59, 44.
Why does Wayne, TN insurance distress create sellers?
A Wayne, TN premium outruns the Wayne, TN budget; a carrier leaves Wayne, TN; Wayne, TN carrying cost passes plan; Wayne, TN owners sell while current; Wayne, TN insurance distress leads Wayne, TN foreclosure data.