Is Lawrence County, PA in a flood zone?
FEMA's National Risk Index puts Lawrence County's flood hazard at the 83.1th 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 2.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
15.1% of the homes FEMA requires to carry flood insurance in Lawrence County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 86 policies against 569 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Lawrence County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Lawrence County compares nationally
Lawrence County sits at rank 554 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 695 of 3144 by population (1 is biggest). Lawrence County, Pennsylvania covers 357.393 square miles and counts roughly 84,233 residents.
Your street may differ from Lawrence County's average
Across all of Lawrence County's 36,366 residential structures, 126 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.