Breckinridge County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Breckinridge County scores at the 49th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 1.3 times a year. 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
5.9% of the homes FEMA requires to carry flood insurance in Breckinridge County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 19 policies against 324 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Breckinridge County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Breckinridge County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Breckinridge County ranks 1664 — 1 being the highest hazard nationally — and 1761 by population among all 3144 counties covered here, where 1 is the largest. About 21,221 people live in Breckinridge County, Kentucky, spread over 569.725 square miles.
What to do next if you own or are buying in Breckinridge County
FEMA counts 14,270 residential structures in Breckinridge County overall, 22 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Breckinridge 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.