Adair County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Adair County scores at the 44.5th 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.
Mandatory flood insurance compliance in Adair County
Out of 163 homes FEMA counts inside Adair County's mapped flood zone, 11 carry the flood policy federal law requires there — 6.8% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in Adair County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Adair County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Adair County ranks 1807 — 1 being the highest hazard nationally — and 1869 by population among all 3144 counties covered here, where 1 is the largest. About 19,239 people live in Adair County, Kentucky, spread over 405.292 square miles.
What to do next if you own or are buying in Adair County
16 of Adair County's 10,434 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Adair 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.