Haywood County, TN flood risk explained
Flood hazard in Haywood County sits at the 24.9th 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 1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 374 homes FEMA counts inside Haywood County's mapped flood zone, 73 carry the flood policy federal law requires there — 19.5% compliance, short of full coverage. Looking beyond the mandated zone, 1% of all residential structures in Haywood County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Haywood County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Haywood County ranks 2404 — 1 being the highest hazard nationally — and 1973 by population among all 3144 counties covered here, where 1 is the largest. Haywood County, Tennessee covers 533.107 square miles and counts roughly 17,097 residents.
Checking a specific address in Haywood County
FEMA counts 7,787 residential structures in Haywood County overall, 80 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Haywood 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.