Fairfield County, OH flood risk explained
Flood hazard in Fairfield County sits at the 81.8th national percentile, 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 1.9 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
18% of the homes FEMA requires to carry flood insurance in Fairfield County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 340 policies against 1,885 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.8% of all residential structures in Fairfield County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Fairfield County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Fairfield County ranks 596 — 1 being the highest hazard nationally — and 417 by population among all 3144 counties covered here, where 1 is the largest. About 167,762 people live in Fairfield County, Ohio, spread over 504.365 square miles.
Checking a specific address in Fairfield County
FEMA counts 54,635 residential structures in Fairfield County overall, 414 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Fairfield 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.