Clark County, KY flood risk explained
Flood hazard in Clark County sits at the 47.3th 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 1.2 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
26.9% of the homes FEMA requires to carry flood insurance in Clark County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 80 policies against 297 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.7% of all residential structures in Clark County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Clark County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Clark County ranks 1717 — 1 being the highest hazard nationally — and 1247 by population among all 3144 counties covered here, where 1 is the largest. Clark County, Kentucky covers 252.482 square miles and counts roughly 37,673 residents.
Checking a specific address in Clark County
106 of Clark County's 14,811 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Clark 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.