Scott County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Scott County scores at the 58.1th 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 1.4 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Scott County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Scott 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, 50% of them do — 70 active policies against 140 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.6% of all residential structures in Scott County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Scott County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Scott County ranks 1378 — 1 being the highest hazard nationally — and 873 by population among all 3144 counties covered here, where 1 is the largest. Scott County, Kentucky covers 282.194 square miles and counts roughly 61,700 residents.
What to do next if you own or are buying in Scott County
Across all of Scott County's 15,833 residential structures, 97 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Scott 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.