Union County, TN flood risk explained
Flood hazard in Union County sits at the 26th 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 once every 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Union County's flood-insurance compliance gap
7.3% of the homes FEMA requires to carry flood insurance in Union County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 5 policies against 69 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Union County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Union County ranks
Among the 3144 US counties FEMA scores for flood hazard, Union County ranks 2372 — 1 being the highest hazard nationally — and 1766 by population among all 3144 counties covered here, where 1 is the largest. Union County, Tennessee covers 223.583 square miles and counts roughly 21,064 residents.
Your street may differ from Union County's average
10 of Union County's 9,533 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Union 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.