Is Defiance County, OH in a flood zone?
FEMA's National Risk Index puts Defiance County's flood hazard at the 59.4th 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 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.
Mandatory flood insurance compliance in Defiance County
Out of 243 homes FEMA counts inside Defiance County's mapped flood zone, 33 carry the flood policy federal law requires there — 13.6% compliance, short of full coverage. Across all residential structures in Defiance 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.
Where Defiance County ranks
Defiance County sits at rank 1335 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1216 of 3144 by population (1 is biggest). About 38,644 people live in Defiance County, Ohio, spread over 411.439 square miles.
Checking a specific address in Defiance County
43 of Defiance County's 17,093 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 Defiance 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.