Is Owen County, IN in a flood zone?
FEMA's National Risk Index puts Owen County's flood hazard at the 49.4th 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 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.
Mandatory flood insurance compliance in Owen County
Homes with a federally backed mortgage inside Owen 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, 15.8% of them do — 38 active policies against 240 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Owen County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Owen County compares nationally
Owen County sits at rank 1652 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1728 of 3144 by population (1 is biggest). Owen County, Indiana covers 385.295 square miles and counts roughly 21,851 residents.
Your street may differ from Owen County's average
Across all of Owen County's 11,344 residential structures, 47 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Owen 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.