Gallia County, OH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Gallia County scores at the 67.6th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Gallia 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, 10.5% of them do — 112 active policies against 1,071 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1% of all residential structures in Gallia County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Gallia County ranks
Among the 3144 US counties FEMA scores for flood hazard, Gallia County ranks 1065 — 1 being the highest hazard nationally — and 1477 by population among all 3144 counties covered here, where 1 is the largest. About 28,886 people live in Gallia County, Ohio, spread over 466.53 square miles.
What to do next if you own or are buying in Gallia County
Across all of Gallia County's 12,805 residential structures, 124 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Gallia 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.