Livingston County, KY flood risk explained
Flood hazard in Livingston County sits at the 23.3th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Livingston County
20.4% of the homes FEMA requires to carry flood insurance in Livingston County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 46 policies against 225 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.1% of all residential structures in Livingston County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Livingston County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Livingston County ranks 2453 — 1 being the highest hazard nationally — and 2504 by population among all 3144 counties covered here, where 1 is the largest. Livingston County, Kentucky is home to about 8,815 people across 312.961 square miles of land.
Your street may differ from Livingston County's average
FEMA counts 4,673 residential structures in Livingston County overall, 53 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Livingston 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.