Tipton County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Tipton County scores at the 18.9th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 once every 1 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
Homes with a federally backed mortgage inside Tipton 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, 21.6% of them do — 109 active policies against 504 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1.7% of all residential structures in Tipton County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Tipton County ranks
Among the 3144 US counties FEMA scores for flood hazard, Tipton County ranks 2589 — 1 being the highest hazard nationally — and 2070 by population among all 3144 counties covered here, where 1 is the largest. Tipton County, Indiana is home to about 15,324 people across 260.541 square miles of land.
Your street may differ from Tipton County's average
Across all of Tipton County's 7,290 residential structures, 126 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Tipton 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.