Estill County, KY flood risk explained
Flood hazard in Estill County sits at the 63.9th 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 2.6 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 Estill County
10.6% of the homes FEMA requires to carry flood insurance in Estill County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 40 policies against 379 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.7% of all residential structures in Estill County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Estill County ranks
Among the 3144 US counties FEMA scores for flood hazard, Estill County ranks 1186 — 1 being the highest hazard nationally — and 2162 by population among all 3144 counties covered here, where 1 is the largest. About 14,002 people live in Estill County, Kentucky, spread over 253.081 square miles.
Your street may differ from Estill County's average
Across all of Estill County's 6,101 residential structures, 45 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Estill 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.