Hart County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Hart County scores at the 49.7th 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 1.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Hart County's flood-insurance compliance gap
8.6% of the homes FEMA requires to carry flood insurance in Hart County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 19 policies against 222 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Hart County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Hart County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Hart County ranks 1644 — 1 being the highest hazard nationally — and 1832 by population among all 3144 counties covered here, where 1 is the largest. Hart County, Kentucky covers 412.67 square miles and counts roughly 19,923 residents.
What to do next if you own or are buying in Hart County
Across all of Hart County's 10,015 residential structures, 20 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Hart 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.