Trimble County, KY flood risk explained
Flood hazard in Trimble County sits at the 23.5th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Trimble County
14.8% of the homes FEMA requires to carry flood insurance in Trimble County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 24 policies against 162 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.7% of all residential structures in Trimble County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Trimble County ranks
Among the 3144 US counties FEMA scores for flood hazard, Trimble County ranks 2447 — 1 being the highest hazard nationally — and 2524 by population among all 3144 counties covered here, where 1 is the largest. Trimble County, Kentucky covers 147.771 square miles and counts roughly 8,591 residents.
What to do next if you own or are buying in Trimble County
29 of Trimble County's 3,964 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Trimble 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.