Carroll County, TN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Carroll County scores at the 27.2th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.2 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Carroll County
Out of 42 homes FEMA counts inside Carroll County's mapped flood zone, 3 carry the flood policy federal law requires there — 7.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Carroll County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Carroll County ranks
Among the 3144 US counties FEMA scores for flood hazard, Carroll County ranks 2337 — 1 being the highest hazard nationally — and 1468 by population among all 3144 counties covered here, where 1 is the largest. About 29,107 people live in Carroll County, Tennessee, spread over 597.658 square miles.
Your street may differ from Carroll County's average
FEMA counts 13,327 residential structures in Carroll County overall, 8 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Carroll 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.