Is Monroe County, TN in a flood zone?
FEMA's National Risk Index puts Monroe County's flood hazard at the 65.1th 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 1.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Monroe County's flood-insurance compliance gap
Out of 250 homes FEMA counts inside Monroe County's mapped flood zone, 26 carry the flood policy federal law requires there — 10.4% compliance, short of full coverage. Across all residential structures in Monroe County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Monroe County against the rest of the country
Monroe County sits at rank 1145 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1019 of 3144 by population (1 is biggest). Monroe County, Tennessee covers 635.774 square miles and counts roughly 49,154 residents.
What to do next if you own or are buying in Monroe County
54 of Monroe County's 22,416 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Monroe 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.