Carroll County, KY flood risk explained
Flood hazard in Carroll County sits at the 41.7th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 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
Out of 355 homes FEMA counts inside Carroll County's mapped flood zone, 62 carry the flood policy federal law requires there — 17.5% compliance, short of full coverage. Looking beyond the mandated zone, 1.7% of all residential structures in Carroll County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Carroll County ranks
Among the 3144 US counties FEMA scores for flood hazard, Carroll County ranks 1895 — 1 being the highest hazard nationally — and 2337 by population among all 3144 counties covered here, where 1 is the largest. About 11,111 people live in Carroll County, Kentucky, spread over 128.7 square miles.
Checking a specific address in Carroll County
Across all of Carroll County's 4,358 residential structures, 73 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Carroll 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.