Champaign County, OH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Champaign County scores at the 43.8th 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 1.4 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
17.2% of the homes FEMA requires to carry flood insurance in Champaign County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 56 policies against 325 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Champaign County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Champaign County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Champaign County ranks 1827 — 1 being the highest hazard nationally — and 1208 by population among all 3144 counties covered here, where 1 is the largest. About 38,907 people live in Champaign County, Ohio, spread over 428.977 square miles.
Checking a specific address in Champaign County
69 of Champaign County's 17,272 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Champaign 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.