Wilson County, TN: Home-Insurance Distress & Forced-Sale Pressure

Home-insurance pressure in Wilson County, Tennessee is currently elevated — an insurance-distress score of 60/100, in the upper half of U.S. counties at #852 of the 3,222 U.S. counties DLRadar scores. When coverage gets expensive or impossible to renew, affected owners list early, ahead of any mortgage-default signal.

The pressure here is driven by a FEMA hazard score of 51/100; NFIP flood-claim stress of 74/100 over three years — the exposures carriers price against and increasingly decline to renew.

Replacement economics add to the squeeze — a 64/100 construction-distress reading means rebuilding here is costly, and premiums follow rebuild cost.

DLRadar re-scores Wilson County every month against the latest FEMA, NFIP and carrier data, so 60/100 tracks the live market — not a snapshot frozen at some earlier point.

Over the trailing three years, Wilson County recorded 5 NFIP flood claims totaling $87,745 paid (about $17,549 per claim) — the loss history that pushes premiums up and coverage out.

A elevated level of 60/100 in Wilson County flags likely seller supply — coverage cost is crossing the threshold where owners weigh selling over renewing.

A 51/100 hazard base sitting alongside 74/100 in realized flood stress is the signature DLRadar treats as insurance-driven seller pressure.

Taken with the county's foreclosure and lien record, 60/100 tells you whether Wilson County owners face a coverage problem or a solvency problem — the two need different outreach.

The same monthly model runs nationwide — FEMA, NFIP and carrier pressure — and ties Wilson County's score to on-the-ground foreclosure and ownership data. The point is reaching those owners while carrying cost is still the problem, not after the filing.