Campbell County, VA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Campbell County scores at the 49.7th 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 1.8 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
11.1% of the homes FEMA requires to carry flood insurance in Campbell County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 5 policies against 45 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 Campbell County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Campbell County ranks
Among the 3144 US counties FEMA scores for flood hazard, Campbell County ranks 1641 — 1 being the highest hazard nationally — and 946 by population among all 3144 counties covered here, where 1 is the largest. Campbell County, Virginia covers 503.257 square miles and counts roughly 55,342 residents.
What to do next if you own or are buying in Campbell County
Across all of Campbell County's 18,307 residential structures, 27 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Campbell 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.