Decatur County, IN flood risk explained
Flood hazard in Decatur County sits at the 36.5th 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 1 years. 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 Decatur County
Homes with a federally backed mortgage inside Decatur County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 9.5% of them do — 16 active policies against 169 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.2% of all residential structures in Decatur County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Decatur County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Decatur County ranks 2060 — 1 being the highest hazard nationally — and 1560 by population among all 3144 counties covered here, where 1 is the largest. Decatur County, Indiana is home to about 26,421 people across 372.568 square miles of land.
Checking a specific address in Decatur County
24 of Decatur County's 11,967 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Decatur 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.