How much flood risk does Meade County actually carry?
Meade County lands at the 45.2th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Meade County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Meade 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, 20.6% of them do — 15 active policies against 73 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Meade County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Meade County against the rest of the country
Meade County sits at rank 1783 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1430 of 3144 by population (1 is biggest). Meade County, Kentucky is home to about 30,442 people across 305.465 square miles of land.
What to do next if you own or are buying in Meade County
FEMA counts 10,833 residential structures in Meade County overall, 26 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Meade 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.