How much flood risk does Lake County actually carry?
Lake County lands at the 86.1th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Lake County
Out of 756 homes FEMA counts inside Lake County's mapped flood zone, 241 carry the flood policy federal law requires there — 31.9% compliance, short of full coverage. Across all residential structures in Lake County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Lake County compares nationally
Lake County sits at rank 460 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 310 of 3144 by population (1 is biggest). Lake County, Ohio covers 229.395 square miles and counts roughly 232,360 residents.
Your street may differ from Lake County's average
407 of Lake County's 90,195 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Lake 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.