Clay County, TN flood risk explained
Flood hazard in Clay County sits at the 27.7th national percentile, among the lowest flood hazard in the country; 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Clay County
5.7% of the homes FEMA requires to carry flood insurance in Clay County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3 policies against 53 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Clay County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Clay County ranks
Among the 3144 US counties FEMA scores for flood hazard, Clay County ranks 2322 — 1 being the highest hazard nationally — and 2582 by population among all 3144 counties covered here, where 1 is the largest. Clay County, Tennessee covers 236.529 square miles and counts roughly 7,857 residents.
Your street may differ from Clay County's average
13 of Clay County's 4,644 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Clay 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.