Hamblen County, TN flood risk explained
Flood hazard in Hamblen County sits at the 54.6th 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 once every 2 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 Hamblen County
36.6% of the homes FEMA requires to carry flood insurance in Hamblen County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 49 policies against 134 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 Hamblen County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Hamblen County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Hamblen County ranks 1491 — 1 being the highest hazard nationally — and 807 by population among all 3144 counties covered here, where 1 is the largest. Hamblen County, Tennessee covers 161.188 square miles and counts roughly 67,715 residents.
Checking a specific address in Hamblen County
FEMA counts 24,394 residential structures in Hamblen County overall, 63 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Hamblen 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.