Posey County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Posey County scores at the 51.2th 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 7.9 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Posey County
Homes with a federally backed mortgage inside Posey 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, 14.8% of them do — 97 active policies against 655 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.9% of all residential structures in Posey County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Posey County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Posey County ranks 1600 — 1 being the highest hazard nationally — and 1621 by population among all 3144 counties covered here, where 1 is the largest. Posey County, Indiana is home to about 25,067 people across 409.385 square miles of land.
Your street may differ from Posey County's average
FEMA counts 11,426 residential structures in Posey County overall, 106 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Posey 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.