Todd County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Todd County scores at the 29.1th 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 1.9 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.
Mandatory flood insurance compliance in Todd County
12% of the homes FEMA requires to carry flood insurance in Todd County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 19 policies against 158 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Todd County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Todd County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Todd County ranks 2283 — 1 being the highest hazard nationally — and 2236 by population among all 3144 counties covered here, where 1 is the largest. About 12,757 people live in Todd County, Kentucky, spread over 374.518 square miles.
Your street may differ from Todd County's average
FEMA counts 6,803 residential structures in Todd County overall, 29 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Todd 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.