How much flood risk does Kosciusko County actually carry?
Kosciusko County lands at the 63.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Kosciusko County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Kosciusko County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 20.7% of them do — 405 active policies against 1,953 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Kosciusko County, not just the ones FEMA mandates, 1.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Kosciusko County compares nationally
Kosciusko County sits at rank 1191 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 724 of 3144 by population (1 is biggest). About 80,669 people live in Kosciusko County, Indiana, spread over 531.448 square miles.
Checking a specific address in Kosciusko County
FEMA counts 39,136 residential structures in Kosciusko County overall, 474 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 Kosciusko 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.