Medina County, OH flood risk explained
Flood hazard in Medina County sits at the 75.5th 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 1.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Medina 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, 26.2% of them do — 75 active policies against 286 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.3% of all residential structures in Medina County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Medina County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Medina County ranks 804 — 1 being the highest hazard nationally — and 377 by population among all 3144 counties covered here, where 1 is the largest. Medina County, Ohio covers 421.459 square miles and counts roughly 184,625 residents.
Your street may differ from Medina County's average
FEMA counts 68,208 residential structures in Medina County overall, 221 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Medina 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.