Is DeKalb County, IN in a flood zone?
FEMA's National Risk Index puts DeKalb County's flood hazard at the 51.8th 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 4 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 DeKalb County
16.3% of the homes FEMA requires to carry flood insurance in DeKalb County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 43 policies against 264 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in DeKalb 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.
DeKalb County against the rest of the country
DeKalb County sits at rank 1580 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1107 of 3144 by population (1 is biggest). About 44,330 people live in DeKalb County, Indiana, spread over 362.834 square miles.
Checking a specific address in DeKalb County
FEMA counts 18,365 residential structures in DeKalb County overall, 56 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 DeKalb 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.