How much flood risk does Calloway County actually carry?
Calloway County lands at the 50.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Calloway County
Out of 133 homes FEMA counts inside Calloway County's mapped flood zone, 36 carry the flood policy federal law requires there — 27.1% compliance, short of full coverage. Across all residential structures in Calloway County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Calloway County ranks
Calloway County sits at rank 1614 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1207 of 3144 by population (1 is biggest). Calloway County, Kentucky covers 384.863 square miles and counts roughly 38,975 residents.
Your street may differ from Calloway County's average
57 of Calloway County's 13,342 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Calloway 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.