Jay County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Jay County scores at the 36.8th 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 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.
Mandatory flood insurance compliance in Jay County
Out of 163 homes FEMA counts inside Jay County's mapped flood zone, 11 carry the flood policy federal law requires there — 6.8% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Jay County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Jay County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Jay County ranks 2050 — 1 being the highest hazard nationally — and 1818 by population among all 3144 counties covered here, where 1 is the largest. Jay County, Indiana is home to about 20,164 people across 383.905 square miles of land.
Your street may differ from Jay County's average
FEMA counts 10,073 residential structures in Jay County overall, 13 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Jay 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.