Henry County, IN flood risk explained
Flood hazard in Henry County sits at the 54.8th national percentile, 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 once every 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Henry County's flood-insurance compliance gap
18.5% of the homes FEMA requires to carry flood insurance in Henry County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 41 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 Henry County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Henry County ranks
Among the 3144 US counties FEMA scores for flood hazard, Henry County ranks 1485 — 1 being the highest hazard nationally — and 1022 by population among all 3144 counties covered here, where 1 is the largest. Henry County, Indiana covers 391.877 square miles and counts roughly 49,081 residents.
What to do next if you own or are buying in Henry County
Across all of Henry County's 20,594 residential structures, 48 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Henry 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.