Lincoln County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lincoln County scores at the 44.2th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Out of 117 homes FEMA counts inside Lincoln County's mapped flood zone, 7 carry the flood policy federal law requires there — 6% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Lincoln County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Lincoln County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Lincoln County ranks 1815 — 1 being the highest hazard nationally — and 1623 by population among all 3144 counties covered here, where 1 is the largest. About 24,910 people live in Lincoln County, Kentucky, spread over 332.904 square miles.
Checking a specific address in Lincoln County
Across all of Lincoln County's 11,537 residential structures, 8 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Lincoln 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.