Benton County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Benton County scores at the 8.5th 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 once every 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Benton County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Benton County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 0% of them do — 0 active policies against 5 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0% of all residential structures in Benton County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Benton County ranks
Among the 3144 US counties FEMA scores for flood hazard, Benton County ranks 2891 — 1 being the highest hazard nationally — and 2502 by population among all 3144 counties covered here, where 1 is the largest. About 8,853 people live in Benton County, Indiana, spread over 406.415 square miles.
Your street may differ from Benton County's average
FEMA counts 3,950 residential structures in Benton County overall, 0 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Benton 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.