Elliott County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Elliott County scores at the 32.9th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is 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.
Elliott County's flood-insurance compliance gap
3.5% of the homes FEMA requires to carry flood insurance in Elliott County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4 policies against 113 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Elliott County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Elliott County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Elliott County ranks 2171 — 1 being the highest hazard nationally — and 2639 by population among all 3144 counties covered here, where 1 is the largest. Elliott County, Kentucky covers 234.321 square miles and counts roughly 7,263 residents.
What to do next if you own or are buying in Elliott County
Across all of Elliott County's 3,087 residential structures, 6 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Elliott 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.