Is Henry County, TN in a flood zone?
FEMA's National Risk Index puts Henry County's flood hazard at the 38.8th percentile nationally — 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 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 Henry County
23.3% of the homes FEMA requires to carry flood insurance in Henry County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 83 policies against 357 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Henry County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Henry County compares nationally
Henry County sits at rank 1986 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1373 of 3144 by population (1 is biggest). About 32,883 people live in Henry County, Tennessee, spread over 561.902 square miles.
Checking a specific address in Henry County
FEMA counts 17,611 residential structures in Henry County overall, 97 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 Henry 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.