How much flood risk does Tipton County actually carry?
Tipton County lands at the 53.9th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.8 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Tipton County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Tipton 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, 28.6% of them do — 72 active policies against 252 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Tipton County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Tipton County against the rest of the country
Tipton County sits at rank 1510 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 868 of 3144 by population (1 is biggest). Tipton County, Tennessee is home to about 62,187 people across 455.611 square miles of land.
Your street may differ from Tipton County's average
Across all of Tipton County's 22,816 residential structures, 136 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 Tipton 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.