Adams County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Adams County scores at the 61.3th 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 2 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 Adams County
Out of 244 homes FEMA counts inside Adams County's mapped flood zone, 35 carry the flood policy federal law requires there — 14.3% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Adams County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Adams County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Adams County ranks 1272 — 1 being the highest hazard nationally — and 1279 by population among all 3144 counties covered here, where 1 is the largest. Adams County, Indiana covers 338.925 square miles and counts roughly 36,584 residents.
Your street may differ from Adams County's average
Across all of Adams County's 13,728 residential structures, 44 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Adams 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.