White County, TN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, White County scores at the 42.7th 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
White County's flood-insurance compliance gap
Out of 88 homes FEMA counts inside White County's mapped flood zone, 4 carry the flood policy federal law requires there — 4.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in White County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How White County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, White County ranks 1862 — 1 being the highest hazard nationally — and 1467 by population among all 3144 counties covered here, where 1 is the largest. White County, Tennessee covers 376.678 square miles and counts roughly 29,108 residents.
Checking a specific address in White County
Across all of White County's 12,187 residential structures, 11 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where White 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.