Clinton County, KY flood risk explained
Flood hazard in Clinton County sits at the 41th 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 once every 2 years. 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
7.3% of the homes FEMA requires to carry flood insurance in Clinton County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4 policies against 55 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Clinton County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Clinton County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Clinton County ranks 1916 — 1 being the highest hazard nationally — and 2473 by population among all 3144 counties covered here, where 1 is the largest. Clinton County, Kentucky is home to about 9,183 people across 197.063 square miles of land.
Checking a specific address in Clinton County
6 of Clinton County's 4,736 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Clinton 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.