Dubois County, IN flood risk explained
Flood hazard in Dubois County sits at the 66.1th 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 2.4 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.
Dubois County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Dubois 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, 12.9% of them do — 27 active policies against 210 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.2% of all residential structures in Dubois County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Dubois County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Dubois County ranks 1113 — 1 being the highest hazard nationally — and 1124 by population among all 3144 counties covered here, where 1 is the largest. Dubois County, Indiana is home to about 43,629 people across 427.267 square miles of land.
Your street may differ from Dubois County's average
FEMA counts 18,590 residential structures in Dubois County overall, 35 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Dubois 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.