How much flood risk does Ohio County actually carry?
Ohio County lands at the 7.8th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Ohio County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Ohio 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, 16.3% of them do — 21 active policies against 129 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Ohio County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Ohio County compares nationally
Ohio County sits at rank 2913 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2732 of 3144 by population (1 is biggest). Ohio County, Indiana is home to about 5,996 people across 86.15 square miles of land.
Checking a specific address in Ohio County
FEMA counts 2,676 residential structures in Ohio County overall, 29 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 Ohio 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.