Marshall County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Marshall County scores at the 44.9th 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 3 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Marshall County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Marshall County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 11.6% of them do — 30 active policies against 258 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.2% of all residential structures in Marshall County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Marshall County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Marshall County ranks 1792 — 1 being the highest hazard nationally — and 1062 by population among all 3144 counties covered here, where 1 is the largest. Marshall County, Indiana covers 443.618 square miles and counts roughly 46,464 residents.
What to do next if you own or are buying in Marshall County
FEMA counts 20,323 residential structures in Marshall County overall, 46 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Marshall 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.