Is Henderson County, TN in a flood zone?
FEMA's National Risk Index puts Henderson County's flood hazard at the 32.8th 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 1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Henderson County
Out of 54 homes FEMA counts inside Henderson County's mapped flood zone, 5 carry the flood policy federal law requires there — 9.3% compliance, short of full coverage. Across all residential structures in Henderson County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Henderson County compares nationally
Henderson County sits at rank 2173 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1503 of 3144 by population (1 is biggest). About 28,183 people live in Henderson County, Tennessee, spread over 520.009 square miles.
What to do next if you own or are buying in Henderson County
Across all of Henderson County's 12,810 residential structures, 14 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Henderson 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.