Tioga County, NY flood risk explained
Flood hazard in Tioga County sits at the 78.9th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.1 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
Out of 1,689 homes FEMA counts inside Tioga County's mapped flood zone, 472 carry the flood policy federal law requires there — 28% compliance, short of full coverage. Looking beyond the mandated zone, 2.6% of all residential structures in Tioga County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Tioga County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Tioga County ranks 693 — 1 being the highest hazard nationally — and 1042 by population among all 3144 counties covered here, where 1 is the largest. Tioga County, New York covers 518.767 square miles and counts roughly 47,574 residents.
Checking a specific address in Tioga County
Across all of Tioga County's 21,203 residential structures, 556 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Tioga 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.