Is Delaware County, IN in a flood zone?
FEMA's National Risk Index puts Delaware County's flood hazard at the 82.5th percentile nationally — a middling flood hazard by national standards — 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Delaware County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Delaware 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, 24.2% of them do — 272 active policies against 1,126 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Delaware County, not just the ones FEMA mandates, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Delaware County against the rest of the country
Delaware County sits at rank 573 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 567 of 3144 by population (1 is biggest). About 112,951 people live in Delaware County, Indiana, spread over 392.109 square miles.
Checking a specific address in Delaware County
323 of Delaware County's 44,375 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 Delaware 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.