Steuben County, IN flood risk explained
Flood hazard in Steuben County sits at the 38.2th 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 once every 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
11.3% of the homes FEMA requires to carry flood insurance in Steuben County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 92 policies against 812 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.5% of all residential structures in Steuben County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Steuben County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Steuben County ranks 2005 — 1 being the highest hazard nationally — and 1316 by population among all 3144 counties covered here, where 1 is the largest. Steuben County, Indiana covers 308.79 square miles and counts roughly 34,862 residents.
Checking a specific address in Steuben County
105 of Steuben County's 21,821 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Steuben 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.