Is Fleming County, KY in a flood zone?
FEMA's National Risk Index puts Fleming County's flood hazard at the 47.1th percentile nationally — 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 1.4 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.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Fleming 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, 7.8% of them do — 16 active policies against 206 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Fleming County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Fleming County ranks
Fleming County sits at rank 1725 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2062 of 3144 by population (1 is biggest). Fleming County, Kentucky is home to about 15,591 people across 348.672 square miles of land.
Checking a specific address in Fleming County
FEMA counts 7,837 residential structures in Fleming County overall, 18 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 Fleming 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.