Is Hardeman County, TN in a flood zone?
FEMA's National Risk Index puts Hardeman County's flood hazard at the 30.3th percentile nationally — 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Out of 75 homes FEMA counts inside Hardeman County's mapped flood zone, 4 carry the flood policy federal law requires there — 5.3% compliance, short of full coverage. Across all residential structures in Hardeman County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Hardeman County against the rest of the country
Hardeman County sits at rank 2247 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1609 of 3144 by population (1 is biggest). About 25,434 people live in Hardeman County, Tennessee, spread over 667.768 square miles.
Your street may differ from Hardeman County's average
FEMA counts 11,241 residential structures in Hardeman County overall, 4 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Hardeman County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.