Is Sumner County, TN in a flood zone?
FEMA's National Risk Index puts Sumner County's flood hazard at the 88.6th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.1 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.
Mandatory flood insurance compliance in Sumner County
Homes with a federally backed mortgage inside Sumner County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 35.4% of them do — 293 active policies against 827 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Sumner County, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Sumner County ranks
Sumner County sits at rank 375 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 336 of 3144 by population (1 is biggest). Sumner County, Tennessee covers 529.453 square miles and counts roughly 211,721 residents.
Your street may differ from Sumner County's average
FEMA counts 65,282 residential structures in Sumner County overall, 598 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Sumner 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.