How much flood risk does Stewart County actually carry?
Stewart County lands at the 22.8th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.2 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.
Mandatory flood insurance compliance in Stewart County
Out of 55 homes FEMA counts inside Stewart County's mapped flood zone, 16 carry the flood policy federal law requires there — 29.1% compliance, short of full coverage. Across all residential structures in Stewart County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Stewart County ranks
Stewart County sits at rank 2469 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2132 of 3144 by population (1 is biggest). About 14,365 people live in Stewart County, Tennessee, spread over 459.776 square miles.
Checking a specific address in Stewart County
Across all of Stewart County's 6,952 residential structures, 29 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Stewart 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.