Is Highland County, OH in a flood zone?
FEMA's National Risk Index puts Highland County's flood hazard at the 56.6th 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 1.8 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Highland County
2.3% of the homes FEMA requires to carry flood insurance in Highland County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 2 policies against 86 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Highland County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Highland County ranks
Highland County sits at rank 1428 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1121 of 3144 by population (1 is biggest). About 43,785 people live in Highland County, Ohio, spread over 553.084 square miles.
Your street may differ from Highland County's average
4 of Highland County's 24,337 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 Highland 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.