How much flood risk does Fulton County actually carry?
Fulton County lands at the 19.2th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.1 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 Fulton County
Homes with a federally backed mortgage inside Fulton 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, 9.5% of them do — 13 active policies against 137 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Fulton County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Fulton County against the rest of the country
Fulton County sits at rank 2581 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2716 of 3144 by population (1 is biggest). About 6,282 people live in Fulton County, Kentucky, spread over 205.932 square miles.
Checking a specific address in Fulton County
FEMA counts 3,114 residential structures in Fulton County overall, 14 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 Fulton 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.