Tioga County, PA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Tioga County scores at the 78.9th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 1.3 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
Homes with a federally backed mortgage inside Tioga 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, 22.1% of them do — 249 active policies against 1,126 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1.3% 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 694 — 1 being the highest hazard nationally — and 1180 by population among all 3144 counties covered here, where 1 is the largest. Tioga County, Pennsylvania is home to about 40,698 people across 1,133.892 square miles of land.
Checking a specific address in Tioga County
Across all of Tioga County's 21,051 residential structures, 282 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.