Cumberland County, TN flood risk explained
Flood hazard in Cumberland County sits at the 58.4th 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 1.4 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 Cumberland County
Out of 13 homes FEMA counts inside Cumberland County's mapped flood zone, 1 carry the flood policy federal law requires there — 7.7% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Cumberland County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Cumberland County ranks
Among the 3144 US counties FEMA scores for flood hazard, Cumberland County ranks 1367 — 1 being the highest hazard nationally — and 836 by population among all 3144 counties covered here, where 1 is the largest. About 65,618 people live in Cumberland County, Tennessee, spread over 681.309 square miles.
Your street may differ from Cumberland County's average
Across all of Cumberland County's 30,022 residential structures, 22 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Cumberland 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.