Cumberland County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Cumberland County scores at the 53.7th 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 once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
0% of the homes FEMA requires to carry flood insurance in Cumberland County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 0 policies against 70 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0% of all residential structures in Cumberland County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Cumberland County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Cumberland County ranks 1519 — 1 being the highest hazard nationally — and 2727 by population among all 3144 counties covered here, where 1 is the largest. Cumberland County, Kentucky covers 305.147 square miles and counts roughly 6,047 residents.
What to do next if you own or are buying in Cumberland County
FEMA counts 3,451 residential structures in Cumberland County overall, 0 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Cumberland 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.