Trigg County, KY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Trigg County scores at the 49.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 1.4 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 Trigg 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, 7.1% of them do — 10 active policies against 141 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.1% of all residential structures in Trigg County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Trigg County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Trigg County ranks 1655 — 1 being the highest hazard nationally — and 2119 by population among all 3144 counties covered here, where 1 is the largest. About 14,559 people live in Trigg County, Kentucky, spread over 441.433 square miles.
Checking a specific address in Trigg County
Across all of Trigg County's 9,479 residential structures, 11 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Trigg 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.