Randolph County, IN flood risk explained
Flood hazard in Randolph County sits at the 47th 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 1.4 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
Homes with a federally backed mortgage inside Randolph 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, 18.6% of them do — 56 active policies against 301 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.5% of all residential structures in Randolph County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Randolph County ranks
Among the 3144 US counties FEMA scores for flood hazard, Randolph County ranks 1728 — 1 being the highest hazard nationally — and 1639 by population among all 3144 counties covered here, where 1 is the largest. Randolph County, Indiana covers 452.379 square miles and counts roughly 24,337 residents.
Checking a specific address in Randolph County
62 of Randolph County's 12,265 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Randolph 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.