Is Carroll County, VA in a flood zone?
FEMA's National Risk Index puts Carroll County's flood hazard at the 42.7th percentile nationally — 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 1.9 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Carroll County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Carroll County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 10.3% of them do — 7 active policies against 68 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Carroll County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Carroll County against the rest of the country
Carroll County sits at rank 1861 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1463 of 3144 by population (1 is biggest). About 29,242 people live in Carroll County, Virginia, spread over 474.742 square miles.
Your street may differ from Carroll County's average
28 of Carroll County's 14,155 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 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.