Is Erie County, PA in a flood zone?
FEMA's National Risk Index puts Erie County's flood hazard at the 90.7th 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 2.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Erie County
27.4% of the homes FEMA requires to carry flood insurance in Erie County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 177 policies against 645 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Erie 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.
Erie County against the rest of the country
Erie County sits at rank 310 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 273 of 3144 by population (1 is biggest). Erie County, Pennsylvania covers 798.904 square miles and counts roughly 267,750 residents.
Your street may differ from Erie County's average
FEMA counts 87,426 residential structures in Erie County overall, 290 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 Erie 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.