Franklin County, KY flood risk explained
Flood hazard in Franklin County sits at the 71th 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 1.5 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 Franklin County
41.9% of the homes FEMA requires to carry flood insurance in Franklin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 220 policies against 525 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.4% of all residential structures in Franklin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Franklin County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Franklin County ranks 950 — 1 being the highest hazard nationally — and 977 by population among all 3144 counties covered here, where 1 is the largest. Franklin County, Kentucky is home to about 52,442 people across 207.912 square miles of land.
What to do next if you own or are buying in Franklin County
FEMA counts 18,134 residential structures in Franklin County overall, 262 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Franklin 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.