Is Gallatin County, KY in a flood zone?
FEMA's National Risk Index puts Gallatin County's flood hazard at the 33.9th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.6 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 Gallatin County
24.7% of the homes FEMA requires to carry flood insurance in Gallatin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 47 policies against 190 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Gallatin County, not just the ones FEMA mandates, 1.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Gallatin County compares nationally
Gallatin County sits at rank 2139 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2506 of 3144 by population (1 is biggest). Gallatin County, Kentucky is home to about 8,805 people across 98.282 square miles of land.
What to do next if you own or are buying in Gallatin County
Across all of Gallatin County's 3,107 residential structures, 53 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Gallatin 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.