Is Campbell County, TN in a flood zone?
FEMA's National Risk Index puts Campbell County's flood hazard at the 65.7th 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 once every 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Campbell County's flood-insurance compliance gap
10.2% of the homes FEMA requires to carry flood insurance in Campbell County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 32 policies against 315 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Campbell County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Campbell County against the rest of the country
Campbell County sits at rank 1125 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1186 of 3144 by population (1 is biggest). Campbell County, Tennessee is home to about 40,238 people across 480.19 square miles of land.
What to do next if you own or are buying in Campbell County
Across all of Campbell County's 19,019 residential structures, 51 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Campbell 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.