Jefferson County, IN flood risk explained
Flood hazard in Jefferson County sits at the 55.9th 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 3.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 521 homes FEMA counts inside Jefferson County's mapped flood zone, 64 carry the flood policy federal law requires there — 12.3% compliance, short of full coverage. Looking beyond the mandated zone, 0.5% of all residential structures in Jefferson County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Jefferson County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Jefferson County ranks 1449 — 1 being the highest hazard nationally — and 1370 by population among all 3144 counties covered here, where 1 is the largest. Jefferson County, Indiana is home to about 32,921 people across 360.699 square miles of land.
Your street may differ from Jefferson County's average
FEMA counts 13,962 residential structures in Jefferson County overall, 76 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Jefferson 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.