Is Clay County, IN in a flood zone?
FEMA's National Risk Index puts Clay County's flood hazard at the 34.2th percentile nationally — among the lowest flood hazard in the country — 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
Out of 217 homes FEMA counts inside Clay County's mapped flood zone, 27 carry the flood policy federal law requires there — 12.4% compliance, short of full coverage. Across all residential structures in Clay 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.
Where Clay County ranks
Clay County sits at rank 2129 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1559 of 3144 by population (1 is biggest). About 26,424 people live in Clay County, Indiana, spread over 357.6 square miles.
Your street may differ from Clay County's average
FEMA counts 12,862 residential structures in Clay County overall, 31 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Clay 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.