Orange County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Orange County scores at the 47.6th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 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
Out of 234 homes FEMA counts inside Orange County's mapped flood zone, 26 carry the flood policy federal law requires there — 11.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Orange County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Orange County ranks
Among the 3144 US counties FEMA scores for flood hazard, Orange County ranks 1710 — 1 being the highest hazard nationally — and 1839 by population among all 3144 counties covered here, where 1 is the largest. Orange County, Indiana covers 398.379 square miles and counts roughly 19,824 residents.
Your street may differ from Orange County's average
FEMA counts 9,996 residential structures in Orange County overall, 29 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Orange 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.