Is Lawrence County, IN in a flood zone?
FEMA's National Risk Index puts Lawrence County's flood hazard at the 55.9th 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 2.7 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.
Mandatory flood insurance compliance in Lawrence County
Out of 219 homes FEMA counts inside Lawrence County's mapped flood zone, 23 carry the flood policy federal law requires there — 10.5% compliance, short of full coverage. Across all residential structures in Lawrence County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Lawrence County against the rest of the country
Lawrence County sits at rank 1448 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1091 of 3144 by population (1 is biggest). Lawrence County, Indiana covers 449.146 square miles and counts roughly 45,192 residents.
What to do next if you own or are buying in Lawrence County
Across all of Lawrence County's 19,299 residential structures, 32 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Lawrence 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.