Gibson County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Gibson County scores at the 36.9th 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 8.7 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Gibson County's flood-insurance compliance gap
Out of 367 homes FEMA counts inside Gibson County's mapped flood zone, 19 carry the flood policy federal law requires there — 5.2% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in Gibson County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Gibson County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Gibson County ranks 2048 — 1 being the highest hazard nationally — and 1368 by population among all 3144 counties covered here, where 1 is the largest. Gibson County, Indiana covers 487.378 square miles and counts roughly 33,038 residents.
What to do next if you own or are buying in Gibson County
FEMA counts 14,084 residential structures in Gibson County overall, 26 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Gibson 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.