Is Lawrence County, OH in a flood zone?
FEMA's National Risk Index puts Lawrence County's flood hazard at the 83.7th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.8 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
Homes with a federally backed mortgage inside Lawrence 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, 9.1% of them do — 204 active policies against 2,250 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Lawrence County, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Lawrence County ranks
Lawrence County sits at rank 535 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 937 of 3144 by population (1 is biggest). Lawrence County, Ohio covers 453.394 square miles and counts roughly 55,829 residents.
Your street may differ from Lawrence County's average
255 of Lawrence County's 28,404 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 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.