Perry County, PA flood risk explained
Flood hazard in Perry County sits at the 69.5th 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 1.2 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
14.9% of the homes FEMA requires to carry flood insurance in Perry County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 153 policies against 1,027 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.9% of all residential structures in Perry County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Perry County ranks
Among the 3144 US counties FEMA scores for flood hazard, Perry County ranks 1000 — 1 being the highest hazard nationally — and 1053 by population among all 3144 counties covered here, where 1 is the largest. About 46,816 people live in Perry County, Pennsylvania, spread over 551.45 square miles.
Checking a specific address in Perry County
Across all of Perry County's 20,337 residential structures, 180 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Perry 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.