How much flood risk does Lebanon County actually carry?
Lebanon County lands at the 84.9th 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 1.9 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 Lebanon County
29.4% of the homes FEMA requires to carry flood insurance in Lebanon County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 140 policies against 477 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Lebanon 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 Lebanon County compares nationally
Lebanon County sits at rank 497 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 471 of 3144 by population (1 is biggest). Lebanon County, Pennsylvania covers 361.835 square miles and counts roughly 145,319 residents.
What to do next if you own or are buying in Lebanon County
Across all of Lebanon County's 51,580 residential structures, 221 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 Lebanon 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.