How much flood risk does Dearborn County actually carry?
Dearborn County lands at the 52.6th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.3 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.
Mandatory flood insurance compliance in Dearborn County
Out of 331 homes FEMA counts inside Dearborn County's mapped flood zone, 27 carry the flood policy federal law requires there — 8.2% compliance, short of full coverage. Across all residential structures in Dearborn 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.
How Dearborn County compares nationally
Dearborn County sits at rank 1551 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 987 of 3144 by population (1 is biggest). About 51,435 people live in Dearborn County, Indiana, spread over 305.087 square miles.
Your street may differ from Dearborn County's average
38 of Dearborn County's 20,627 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Dearborn 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.