Lincoln County, TN flood risk explained
Flood hazard in Lincoln County sits at the 57th 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 1.5 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Lincoln County's flood-insurance compliance gap
10.1% of the homes FEMA requires to carry flood insurance in Lincoln County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 19 policies against 189 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Lincoln County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Lincoln County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Lincoln County ranks 1416 — 1 being the highest hazard nationally — and 1270 by population among all 3144 counties covered here, where 1 is the largest. Lincoln County, Tennessee covers 570.342 square miles and counts roughly 36,751 residents.
Checking a specific address in Lincoln County
FEMA counts 16,784 residential structures in Lincoln County overall, 39 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Lincoln 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.