Hickman County, TN flood risk explained
Flood hazard in Hickman County sits at the 46.8th 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 1 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Hickman County
Homes with a federally backed mortgage inside Hickman County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 12.3% of them do — 19 active policies against 155 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.4% of all residential structures in Hickman County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Hickman County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Hickman County ranks 1734 — 1 being the highest hazard nationally — and 1590 by population among all 3144 counties covered here, where 1 is the largest. Hickman County, Tennessee covers 612.483 square miles and counts roughly 25,859 residents.
Checking a specific address in Hickman County
FEMA counts 10,481 residential structures in Hickman County overall, 45 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Hickman 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.