Cannon County, TN flood risk explained
Flood hazard in Cannon County sits at the 39.5th national percentile, 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 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Cannon County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 12.9% of them do — 34 active policies against 263 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.6% of all residential structures in Cannon County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Cannon County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Cannon County ranks 1965 — 1 being the highest hazard nationally — and 2085 by population among all 3144 counties covered here, where 1 is the largest. About 15,142 people live in Cannon County, Tennessee, spread over 265.635 square miles.
Your street may differ from Cannon County's average
FEMA counts 7,018 residential structures in Cannon County overall, 45 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Cannon County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.