Guernsey County, OH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Guernsey County scores at the 58.9th 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 2.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
12.1% of the homes FEMA requires to carry flood insurance in Guernsey County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 76 policies against 627 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Guernsey County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Guernsey County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Guernsey County ranks 1352 — 1 being the highest hazard nationally — and 1230 by population among all 3144 counties covered here, where 1 is the largest. Guernsey County, Ohio is home to about 38,219 people across 522.242 square miles of land.
Checking a specific address in Guernsey County
FEMA counts 21,677 residential structures in Guernsey County overall, 86 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Guernsey 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.