Harrison County, OH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Harrison County scores at the 27.3th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Harrison County
Out of 182 homes FEMA counts inside Harrison County's mapped flood zone, 22 carry the flood policy federal law requires there — 12.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.4% of all residential structures in Harrison County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Harrison County ranks
Among the 3144 US counties FEMA scores for flood hazard, Harrison County ranks 2336 — 1 being the highest hazard nationally — and 2160 by population among all 3144 counties covered here, where 1 is the largest. About 14,042 people live in Harrison County, Ohio, spread over 402.331 square miles.
Your street may differ from Harrison County's average
FEMA counts 8,068 residential structures in Harrison County overall, 29 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Harrison 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.