Is Miami County, OH in a flood zone?
FEMA's National Risk Index puts Miami County's flood hazard at the 70.1th 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 1.6 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Miami County
24.5% 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: 172 policies against 703 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, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Miami County compares nationally
Miami County sits at rank 980 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 572 of 3144 by population (1 is biggest). About 111,950 people live in Miami County, Ohio, spread over 406.581 square miles.
What to do next if you own or are buying in Miami County
268 of Miami County's 40,529 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.