How much flood risk does Bracken County actually carry?
Bracken County lands at the 26.2th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — 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 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
15.3% of the homes FEMA requires to carry flood insurance in Bracken County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 42 policies against 275 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Bracken County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Bracken County against the rest of the country
Bracken County sits at rank 2367 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2538 of 3144 by population (1 is biggest). Bracken County, Kentucky is home to about 8,497 people across 202.665 square miles of land.
Your street may differ from Bracken County's average
FEMA counts 4,273 residential structures in Bracken County overall, 45 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 Bracken 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.