Hardin County, OH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Hardin County scores at the 40.2th 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 1.4 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
FEMA hasn't published a residential structure count for Hardin County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.5% of all residential structures in Hardin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Hardin County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Hardin County ranks 1943 — 1 being the highest hazard nationally — and 1434 by population among all 3144 counties covered here, where 1 is the largest. Hardin County, Ohio is home to about 30,402 people across 470.285 square miles of land.
Checking a specific address in Hardin County
61 of Hardin County's 13,494 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Hardin County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Hardin County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.