How much flood risk does Franklin County actually carry?
Franklin County lands at the 52.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Franklin County's flood-insurance compliance gap
Out of 315 homes FEMA counts inside Franklin County's mapped flood zone, 23 carry the flood policy federal law requires there — 7.3% compliance, short of full coverage. Across all residential structures in Franklin 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.
Where Franklin County ranks
Franklin County sits at rank 1550 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1679 of 3144 by population (1 is biggest). About 23,136 people live in Franklin County, Indiana, spread over 384.426 square miles.
What to do next if you own or are buying in Franklin County
FEMA counts 11,149 residential structures in Franklin County overall, 29 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 Franklin 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.