Overton County, TN flood risk explained
Flood hazard in Overton County sits at the 27.4th national percentile, 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 45 homes FEMA counts inside Overton County's mapped flood zone, 7 carry the flood policy federal law requires there — 15.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Overton County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Overton County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Overton County ranks 2330 — 1 being the highest hazard nationally — and 1661 by population among all 3144 counties covered here, where 1 is the largest. Overton County, Tennessee is home to about 23,551 people across 433.488 square miles of land.
What to do next if you own or are buying in Overton County
FEMA counts 10,898 residential structures in Overton County overall, 11 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Overton 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.