Is Miami County, IN in a flood zone?
FEMA's National Risk Index puts Miami County's flood hazard at the 65.1th percentile nationally — below the national norm for flood hazard — 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.
Who actually carries the flood insurance FEMA requires
10.7% of the homes FEMA requires to carry flood insurance in Miami County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 34 policies against 318 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Miami County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Miami County against the rest of the country
Miami County sits at rank 1146 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1302 of 3144 by population (1 is biggest). Miami County, Indiana covers 373.842 square miles and counts roughly 35,613 residents.
Your street may differ from Miami County's average
52 of Miami County's 15,888 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Miami 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.