Is Knox County, KY in a flood zone?
FEMA's National Risk Index puts Knox County's flood hazard at the 71.7th 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 2.1 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.
Who actually carries the flood insurance FEMA requires
11.4% of the homes FEMA requires to carry flood insurance in Knox County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 65 policies against 570 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Knox County, not just the ones FEMA mandates, 0.8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Knox County ranks
Knox County sits at rank 928 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1453 of 3144 by population (1 is biggest). Knox County, Kentucky covers 386.33 square miles and counts roughly 29,657 residents.
Your street may differ from Knox County's average
FEMA counts 10,187 residential structures in Knox County overall, 77 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 Knox 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.