Obion County, TN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Obion County scores at the 38.1th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Obion County's flood-insurance compliance gap
Out of 530 homes FEMA counts inside Obion County's mapped flood zone, 114 carry the flood policy federal law requires there — 21.5% compliance, short of full coverage. Looking beyond the mandated zone, 0.9% of all residential structures in Obion County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Obion County ranks
Among the 3144 US counties FEMA scores for flood hazard, Obion County ranks 2009 — 1 being the highest hazard nationally — and 1440 by population among all 3144 counties covered here, where 1 is the largest. Obion County, Tennessee is home to about 30,261 people across 544.851 square miles of land.
What to do next if you own or are buying in Obion County
130 of Obion County's 14,360 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Obion 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.