Blackford County, IN flood risk explained
Flood hazard in Blackford County sits at the 18.7th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
10% of the homes FEMA requires to carry flood insurance in Blackford County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3 policies against 30 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Blackford County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Blackford County ranks
Among the 3144 US counties FEMA scores for flood hazard, Blackford County ranks 2595 — 1 being the highest hazard nationally — and 2294 by population among all 3144 counties covered here, where 1 is the largest. Blackford County, Indiana covers 165.082 square miles and counts roughly 11,816 residents.
Your street may differ from Blackford County's average
FEMA counts 6,298 residential structures in Blackford County overall, 4 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Blackford 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.