Blog · October 14, 2026 · Tennessee
Reading the Union City Flood Zone Map for a parcel
The zone on FEMA's map affects insurance, building and resale near South Fulton.
Main page: Obion County, TN GIS & Parcel Viewer (official map link, county facts and neighboring maps).
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Ahead of any purchase around Woodland Mills, check the Union City flood zone map: a mapped flood zone changes insurance, permits and resale. Covered here for Union City: locating a parcel on FEMA's map, decoding A, AE and X, and pairing it with the Tennessee Property Viewer.
Getting started with the Union City flood zone map
Flood zones come from FEMA's Flood Map Service Center: search an address around Rives, then open the map view for that panel. Vacant ground around South Fulton can still be found: zoom in from US Route 45W and click inside the land.
Getting to the right map
Go first to the Tennessee Property Viewer; it covers each tax parcel in the county, Obion included. When a rural tract has no street number, pan along US Route 45W and click the parcel itself. If you're looking near Rives, a pop-up or side panel normally shows the owner of record, acreage on the tax roll, a parcel ID and sometimes recent sales.
Which office to call
Anything recorded against property around Hornbeak are with the Register of Deeds, often with an online index. Questions about what you can build around Rives are for the local planning and health departments, and the answer depends on jurisdiction.
Legal descriptions in Tennessee
Tracts outside towns near Hornbeak are often described by metes and bounds, listing bearings, distances and landmarks. Platted lots around South Fulton usually use lot and block from a recorded plat instead, which is simpler to follow. Copy the legal description from the record for the parcel near Obion for any title or survey request.
City limits and county records
Union City sits in Obion County, Tennessee, and the county assessor maps its lots. As the county seat, Union City hosts the courthouse, so deeds and plats are filed in town. Out toward Woodland Mills, City or town hall handles things like zoning, permits and utilities for lots inside the boundary, and the county still keeps the parcel and deed records. Land beyond the town limits near Hornbeak generally follows county rules rather than the town's.
Zones on the Union City flood zone map
For a parcel near Obion, any A or V zone are Special Flood Hazard Areas, land with a 1-percent chance of flooding in any year. On ground around Rives, shaded Zone X marks moderate flood hazard, roughly the 100- to 500-year range; plain X, or C on older maps, is minimal risk.
Where the recorded documents are
For anything that matters, get the recorded deed through the Register of Deeds; the parcel map near Obion only summarizes it. In and around Rives, have ready the document number listed on the parcel record so staff can find the deed fast.
Matching the zone to the lot lines
FEMA's map shows zones but not ownership, so check the Tennessee Property Viewer too to confirm you have the right parcel near Hornbeak.
A quick look at the area
Union City is the county seat, home to the main records offices. You'll also find Woodland Mills, Rives, Troy, and South Fulton. Around 30,411 people call Obion County home (Census Bureau estimate, 2023) on some 545 square miles. Obion County was formed in 1824, so old deeds can run back a long way. Features like Reelfoot National Wildlife Refuge are easy to spot when you zoom out from Rives.
What a flood zone means for a buyer
For acreage around Hornbeak, get the Elevation Certificate if one exists: it can change the insurance price a lot. Remodeling a house in a zone near Hornbeak usually means extra permit review; ask the local floodplain administrator early.
Neighboring parcel maps
Obion County borders Fulton County, KY, Hickman County, KY, Dyer County, Gibson County, and Lake County, all with their own assessor records. A tract near the line by Hornbeak may show up across two assessors' files, so open the neighboring map before you assume the acreage. If you're looking near Obion, the Platbookmapper state page lists every neighboring county map across Tennessee.
A short flood checklist
Ask the seller whether the home has flooded for the house near Rives; an insurance quote early keeps the budget honest.
Low spots and local drainage
Low-lying fields near Hornbeak may not have detailed mapping, so walk the land after rain. Marshy spots near South Fulton can limit building too; the National Wetlands Inventory mapper shows mapped wetlands.
Quick answers
Is there a flood layer on the parcel viewer near Woodland Mills?
Usually, a flood layer may appear in the Tennessee Property Viewer layer list; confirm a lot near Troy on FEMA's map either way.
When is flood insurance required around Rives?
In most cases, for a building near South Fulton in an A or V zone with a federally backed or regulated mortgage, it's generally required; elsewhere it's optional.
What is a LOMA around Rives?
Short answer: FEMA's LOMA process is the usual route when a building near Rives sits above the base flood elevation; it starts with an elevation survey.
How often are flood maps updated near Woodland Mills?
Good question; a new study can move a zone line near Rives, so look at the panel date.
Which office handles records for land near Troy?
For land near Woodland Mills, assessment goes to the Assessor of Property and deeds to the Register of Deeds.
Open the official Obion County, TN parcel map See it in the Platbookmapper directory
Not a survey. County GIS and tax parcel maps are assessment and planning layers. They are not a substitute for a recorded plat, deed, or licensed survey, especially for fences, setbacks, or boundary disputes.