Warren County, TN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Warren County scores at the 57th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Warren County
11.6% of the homes FEMA requires to carry flood insurance in Warren County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 22 policies against 190 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Warren County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Warren County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Warren County ranks 1415 — 1 being the highest hazard nationally — and 1125 by population among all 3144 counties covered here, where 1 is the largest. About 43,619 people live in Warren County, Tennessee, spread over 432.673 square miles.
Checking a specific address in Warren County
FEMA counts 17,491 residential structures in Warren County overall, 28 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Warren 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.