Is Darke County, OH in a flood zone?
FEMA's National Risk Index puts Darke County's flood hazard at the 60.1th percentile nationally — 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 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
Out of 274 homes FEMA counts inside Darke County's mapped flood zone, 55 carry the flood policy federal law requires there — 20.1% compliance, short of full coverage. Across all residential structures in Darke County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Darke County against the rest of the country
Darke County sits at rank 1312 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 986 of 3144 by population (1 is biggest). Darke County, Ohio is home to about 51,462 people across 598.102 square miles of land.
What to do next if you own or are buying in Darke County
FEMA counts 20,578 residential structures in Darke County overall, 69 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 Darke 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.