Scott County, TN flood risk explained
Flood hazard in Scott County sits at the 29.2th 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 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Out of 150 homes FEMA counts inside Scott County's mapped flood zone, 10 carry the flood policy federal law requires there — 6.7% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in Scott County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Scott County ranks
Among the 3144 US counties FEMA scores for flood hazard, Scott County ranks 2280 — 1 being the highest hazard nationally — and 1699 by population among all 3144 counties covered here, where 1 is the largest. Scott County, Tennessee is home to about 22,517 people across 532.301 square miles of land.
Checking a specific address in Scott County
Across all of Scott County's 9,691 residential structures, 22 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Scott 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.