Sullivan County, PA flood risk explained
Flood hazard in Sullivan County sits at the 37.4th 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 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.
Who actually carries the flood insurance FEMA requires
11.8% of the homes FEMA requires to carry flood insurance in Sullivan County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 37 policies against 314 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1% of all residential structures in Sullivan County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Sullivan County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Sullivan County ranks 2034 — 1 being the highest hazard nationally — and 2738 by population among all 3144 counties covered here, where 1 is the largest. Sullivan County, Pennsylvania covers 449.939 square miles and counts roughly 5,927 residents.
What to do next if you own or are buying in Sullivan County
58 of Sullivan County's 5,969 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Sullivan 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.