Is Hancock County, IN in a flood zone?
FEMA's National Risk Index puts Hancock County's flood hazard at the 57.1th percentile nationally — 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 once every 1 years. 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
20.6% of the homes FEMA requires to carry flood insurance in Hancock County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 134 policies against 651 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Hancock County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Hancock County compares nationally
Hancock County sits at rank 1412 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 673 of 3144 by population (1 is biggest). About 88,810 people live in Hancock County, Indiana, spread over 305.957 square miles.
Your street may differ from Hancock County's average
Across all of Hancock County's 29,685 residential structures, 186 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Hancock 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.