Roane County, TN flood risk explained
Flood hazard in Roane County sits at the 69.9th 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 1.3 times a year. 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
Out of 262 homes FEMA counts inside Roane County's mapped flood zone, 56 carry the flood policy federal law requires there — 21.4% compliance, short of full coverage. Looking beyond the mandated zone, 0.4% of all residential structures in Roane County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Roane County ranks
Among the 3144 US counties FEMA scores for flood hazard, Roane County ranks 989 — 1 being the highest hazard nationally — and 927 by population among all 3144 counties covered here, where 1 is the largest. Roane County, Tennessee is home to about 56,742 people across 360.768 square miles of land.
Your street may differ from Roane County's average
FEMA counts 24,932 residential structures in Roane County overall, 99 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Roane 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.