Is Scott County, IN in a flood zone?
FEMA's National Risk Index puts Scott County's flood hazard at the 23.9th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Scott County's flood-insurance compliance gap
13.8% of the homes FEMA requires to carry flood insurance in Scott County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 17 policies against 123 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Scott County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Scott County against the rest of the country
Scott County sits at rank 2433 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1629 of 3144 by population (1 is biggest). About 24,751 people live in Scott County, Indiana, spread over 190.403 square miles.
What to do next if you own or are buying in Scott County
20 of Scott County's 10,754 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Scott 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.