Is Bedford County, TN in a flood zone?
FEMA's National Risk Index puts Bedford County's flood hazard at the 70.2th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
9.9% of the homes FEMA requires to carry flood insurance in Bedford County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 23 policies against 233 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Bedford County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Bedford County compares nationally
Bedford County sits at rank 976 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 955 of 3144 by population (1 is biggest). Bedford County, Tennessee is home to about 54,228 people across 473.639 square miles of land.
Checking a specific address in Bedford County
39 of Bedford County's 20,459 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Bedford County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.