How much flood risk does Henderson County actually carry?
Henderson County lands at the 74.9th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.1 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.
Henderson County's flood-insurance compliance gap
20.7% of the homes FEMA requires to carry flood insurance in Henderson County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 236 policies against 1,139 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Henderson 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 Henderson County ranks
Henderson County sits at rank 825 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1112 of 3144 by population (1 is biggest). Henderson County, Kentucky is home to about 44,175 people across 436.361 square miles of land.
Your street may differ from Henderson County's average
250 of Henderson County's 17,432 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Henderson 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.