Floyd County, IN flood risk explained
Flood hazard in Floyd County sits at the 74.2th 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 1.4 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.
Mandatory flood insurance compliance in Floyd County
Out of 458 homes FEMA counts inside Floyd County's mapped flood zone, 105 carry the flood policy federal law requires there — 22.9% compliance, short of full coverage. Looking beyond the mandated zone, 0.5% of all residential structures in Floyd County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Floyd County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Floyd County ranks 847 — 1 being the highest hazard nationally — and 713 by population among all 3144 counties covered here, where 1 is the largest. About 81,931 people live in Floyd County, Indiana, spread over 148.486 square miles.
Checking a specific address in Floyd County
FEMA counts 29,814 residential structures in Floyd County overall, 155 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Floyd 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.