Grundy County, TN flood risk explained
Flood hazard in Grundy County sits at the 29.4th 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Grundy County
Homes with a federally backed mortgage inside Grundy 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, 11.6% of them do — 8 active policies against 69 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.2% of all residential structures in Grundy County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Grundy County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Grundy County ranks 2274 — 1 being the highest hazard nationally — and 2153 by population among all 3144 counties covered here, where 1 is the largest. Grundy County, Tennessee covers 360.444 square miles and counts roughly 14,148 residents.
Your street may differ from Grundy County's average
FEMA counts 7,176 residential structures in Grundy County overall, 13 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Grundy 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.