Allen County, OH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Allen County scores at the 83th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 3 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 Allen County
17.1% 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: 108 policies against 630 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.
Where Allen County ranks
Among the 3144 US counties FEMA scores for flood hazard, Allen County ranks 558 — 1 being the highest hazard nationally — and 618 by population among all 3144 counties covered here, where 1 is the largest. Allen County, Ohio covers 402.545 square miles and counts roughly 100,866 residents.
Your street may differ from Allen County's average
163 of Allen County's 38,724 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
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.