Is Johnson County, IN in a flood zone?
FEMA's National Risk Index puts Johnson County's flood hazard at the 78.9th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Johnson County's flood-insurance compliance gap
17.6% of the homes FEMA requires to carry flood insurance in Johnson County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 259 policies against 1,476 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Johnson County, not just the ones FEMA mandates, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Johnson County ranks
Johnson County sits at rank 692 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 409 of 3144 by population (1 is biggest). Johnson County, Indiana covers 320.415 square miles and counts roughly 170,614 residents.
What to do next if you own or are buying in Johnson County
FEMA counts 54,805 residential structures in Johnson County overall, 360 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 Johnson 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.