Ohio County, KY flood risk explained
Flood hazard in Ohio County sits at the 53.8th national percentile, 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 2.9 times a year. 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
6.2% of the homes FEMA requires to carry flood insurance in Ohio County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 18 policies against 291 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Ohio County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Ohio County ranks
Among the 3144 US counties FEMA scores for flood hazard, Ohio County ranks 1514 — 1 being the highest hazard nationally — and 1652 by population among all 3144 counties covered here, where 1 is the largest. About 23,933 people live in Ohio County, Kentucky, spread over 587.096 square miles.
Checking a specific address in Ohio County
22 of Ohio County's 9,781 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Ohio 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.