How much flood risk does Lucas County actually carry?
Lucas County lands at the 22.7th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.2 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.
Who actually carries the flood insurance FEMA requires
0% of the homes FEMA requires to carry flood insurance in Lucas County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 0 policies against 9 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Lucas County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Lucas County against the rest of the country
Lucas County sits at rank 2473 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2510 of 3144 by population (1 is biggest). About 8,758 people live in Lucas County, Iowa, spread over 430.681 square miles.
Your street may differ from Lucas County's average
Across all of Lucas County's 3,794 residential structures, 0 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 Lucas 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.