Is Hopkins County, KY in a flood zone?
FEMA's National Risk Index puts Hopkins County's flood hazard at the 66.6th 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 2 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.
Hopkins County's flood-insurance compliance gap
9.6% of the homes FEMA requires to carry flood insurance in Hopkins County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 78 policies against 810 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Hopkins County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Hopkins County against the rest of the country
Hopkins County sits at rank 1096 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1090 of 3144 by population (1 is biggest). About 45,218 people live in Hopkins County, Kentucky, spread over 542.325 square miles.
What to do next if you own or are buying in Hopkins County
FEMA counts 22,820 residential structures in Hopkins County overall, 92 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Hopkins 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.