Ohio County, KY Flood Zone & Flood Risk Data
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.