Carlisle County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Carlisle County scores at the 7.3th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 2.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Carlisle County's flood-insurance compliance gap
3.5% of the homes FEMA requires to carry flood insurance in Carlisle County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4 policies against 115 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Carlisle County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Carlisle County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Carlisle County ranks 2927 — 1 being the highest hazard nationally — and 2834 by population among all 3144 counties covered here, where 1 is the largest. Carlisle County, Kentucky is home to about 4,777 people across 189.463 square miles of land.
Your street may differ from Carlisle County's average
FEMA counts 2,974 residential structures in Carlisle County overall, 9 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Carlisle 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.