Allen County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Allen County scores at the 93.5th percentile for flood hazard, rated "Relatively High" — well above 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 1.1 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Allen County's flood-insurance compliance gap
16% of the homes FEMA requires to carry flood insurance in Allen County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 347 policies against 2,172 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Allen County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Allen County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Allen County ranks 220 — 1 being the highest hazard nationally — and 192 by population among all 3144 counties covered here, where 1 is the largest. Allen County, Indiana is home to about 399,295 people across 657.146 square miles of land.
Your street may differ from Allen County's average
Across all of Allen County's 133,439 residential structures, 507 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Allen 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.