Lucas County, OH: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lucas County scores at the 95.4th percentile for flood hazard, rated "Relatively High" — well above 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 1.8 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.
Lucas County's flood-insurance compliance gap
18.9% 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: 654 policies against 3,463 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.6% of all residential structures in Lucas County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Lucas County ranks
Among the 3144 US counties FEMA scores for flood hazard, Lucas County ranks 157 — 1 being the highest hazard nationally — and 178 by population among all 3144 counties covered here, where 1 is the largest. Lucas County, Ohio is home to about 426,291 people across 339.668 square miles of land.
Checking a specific address in Lucas County
888 of Lucas County's 154,521 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Lucas 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.