Bath County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Bath County scores at the 29.5th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 1.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Bath County
12.8% of the homes FEMA requires to carry flood insurance in Bath County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 39 policies against 304 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.7% of all residential structures in Bath County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Bath County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Bath County ranks 2271 — 1 being the highest hazard nationally — and 2222 by population among all 3144 counties covered here, where 1 is the largest. About 12,951 people live in Bath County, Kentucky, spread over 277.992 square miles.
Checking a specific address in Bath County
43 of Bath County's 6,247 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Bath 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.