Juniata County, PA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Juniata County scores at the 60.3th 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 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
7.3% of the homes FEMA requires to carry flood insurance in Juniata County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 61 policies against 834 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.6% of all residential structures in Juniata County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Juniata County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Juniata County ranks 1307 — 1 being the highest hazard nationally — and 1670 by population among all 3144 counties covered here, where 1 is the largest. Juniata County, Pennsylvania is home to about 23,395 people across 391.391 square miles of land.
What to do next if you own or are buying in Juniata County
FEMA counts 10,762 residential structures in Juniata County overall, 68 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Juniata 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.