Lycoming County, PA flood risk explained
Flood hazard in Lycoming County sits at the 89th national percentile, a middling flood hazard by national standards; 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Lycoming County's flood-insurance compliance gap
Out of 3,695 homes FEMA counts inside Lycoming County's mapped flood zone, 574 carry the flood policy federal law requires there — 15.5% compliance, short of full coverage. Looking beyond the mandated zone, 1.7% of all residential structures in Lycoming County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Lycoming County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Lycoming County ranks 364 — 1 being the highest hazard nationally — and 563 by population among all 3144 counties covered here, where 1 is the largest. About 113,236 people live in Lycoming County, Pennsylvania, spread over 1,228.92 square miles.
Checking a specific address in Lycoming County
FEMA counts 39,125 residential structures in Lycoming County overall, 661 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Lycoming 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.