How much flood risk does Ashland County actually carry?
Ashland County lands at the 60.2th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Ashland County's flood-insurance compliance gap
25.7% of the homes FEMA requires to carry flood insurance in Ashland County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 63 policies against 245 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Ashland County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Ashland County ranks
Ashland County sits at rank 1309 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 979 of 3144 by population (1 is biggest). Ashland County, Ohio is home to about 52,420 people across 422.986 square miles of land.
Checking a specific address in Ashland County
FEMA counts 20,268 residential structures in Ashland County overall, 81 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Ashland County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.