Loudon County, TN flood risk explained
Flood hazard in Loudon County sits at the 71.6th 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 once every 1 years. 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
13% of the homes FEMA requires to carry flood insurance in Loudon County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 21 policies against 161 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Loudon County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Loudon County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Loudon County ranks 931 — 1 being the highest hazard nationally — and 870 by population among all 3144 counties covered here, where 1 is the largest. Loudon County, Tennessee covers 229.272 square miles and counts roughly 62,129 residents.
Checking a specific address in Loudon County
FEMA counts 24,619 residential structures in Loudon County overall, 72 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Loudon 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.