Grayson County, KY flood risk explained
Flood hazard in Grayson County sits at the 48.3th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 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
13.9% of the homes FEMA requires to carry flood insurance in Grayson County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 9 policies against 65 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Grayson County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Grayson County ranks
Among the 3144 US counties FEMA scores for flood hazard, Grayson County ranks 1687 — 1 being the highest hazard nationally — and 1539 by population among all 3144 counties covered here, where 1 is the largest. Grayson County, Kentucky is home to about 27,070 people across 499.536 square miles of land.
Your street may differ from Grayson County's average
FEMA counts 12,348 residential structures in Grayson County overall, 14 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Grayson 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.