Is Harrison County, KY in a flood zone?
FEMA's National Risk Index puts Harrison County's flood hazard at the 48.9th 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 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.
Harrison County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Harrison County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 27.3% of them do — 76 active policies against 278 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Harrison County, not just the ones FEMA mandates, 1.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Harrison County ranks
Harrison County sits at rank 1668 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1857 of 3144 by population (1 is biggest). About 19,525 people live in Harrison County, Kentucky, spread over 306.458 square miles.
Your street may differ from Harrison County's average
FEMA counts 6,265 residential structures in Harrison County overall, 86 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 Harrison 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.