when to create tax regime structure

Hi,

I have a question about US tax setup.  We have a new r12 instance and the old geographies and tax rates were upgraded into tca and ebt.  We sell credit reports which are a taxable item in a dozen or so states.  Some of these states also have tax at the county, city and/or zip code levels.  I need to know if I have to replace all of the tax structures for every state, county, city, zip code ( a lot of work). 

Or can I setup new tax regimes at the state level where the state only charges tax at that level