How much flood risk does Carroll County actually carry?
Carroll County lands at the 47.2th 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 1.4 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
20.8% of the homes FEMA requires to carry flood insurance in Carroll County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 186 policies against 893 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Carroll County, not just the ones FEMA mandates, 1.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Carroll County ranks
Carroll County sits at rank 1720 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1785 of 3144 by population (1 is biggest). Carroll County, Indiana covers 372.225 square miles and counts roughly 20,747 residents.
What to do next if you own or are buying in Carroll County
Across all of Carroll County's 10,944 residential structures, 209 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Carroll 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.