Larue County, KY flood risk explained
Flood hazard in Larue County sits at the 22.9th national percentile, among the lowest flood hazard in the country; 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
8.7% of the homes FEMA requires to carry flood insurance in Larue County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 6 policies against 69 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Larue County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Larue County ranks
Among the 3144 US counties FEMA scores for flood hazard, Larue County ranks 2464 — 1 being the highest hazard nationally — and 2087 by population among all 3144 counties covered here, where 1 is the largest. Larue County, Kentucky covers 261.065 square miles and counts roughly 15,128 residents.
What to do next if you own or are buying in Larue County
FEMA counts 5,624 residential structures in Larue County overall, 9 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Larue 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.