How much flood risk does Russell County actually carry?
Russell County lands at the 35.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Russell County's flood-insurance compliance gap
Out of 46 homes FEMA counts inside Russell County's mapped flood zone, 8 carry the flood policy federal law requires there — 17.4% compliance, short of full coverage. Across all residential structures in Russell County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Russell County against the rest of the country
Russell County sits at rank 2086 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1908 of 3144 by population (1 is biggest). Russell County, Kentucky covers 253.26 square miles and counts roughly 18,458 residents.
Checking a specific address in Russell County
FEMA counts 11,811 residential structures in Russell County overall, 10 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Russell 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.