How much flood risk does Grant County actually carry?
Grant County lands at the 17.1th 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 1.3 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.
Who actually carries the flood insurance FEMA requires
15.3% of the homes FEMA requires to carry flood insurance in Grant County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 9 policies against 59 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Grant County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Grant County against the rest of the country
Grant County sits at rank 2640 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1595 of 3144 by population (1 is biggest). Grant County, Kentucky is home to about 25,722 people across 257.976 square miles of land.
Checking a specific address in Grant County
FEMA counts 8,719 residential structures in Grant County overall, 12 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 Grant 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.