Is Morgan County, TN in a flood zone?
FEMA's National Risk Index puts Morgan County's flood hazard at the 25.7th percentile nationally — among the lowest flood hazard in the country — 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.
Mandatory flood insurance compliance in Morgan County
13.7% of the homes FEMA requires to carry flood insurance in Morgan County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 7 policies against 51 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Morgan County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Morgan County ranks
Morgan County sits at rank 2381 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1723 of 3144 by population (1 is biggest). Morgan County, Tennessee is home to about 21,954 people across 522.18 square miles of land.
What to do next if you own or are buying in Morgan County
9 of Morgan County's 9,435 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 Morgan 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.