Is Union County, IN in a flood zone?
FEMA's National Risk Index puts Union County's flood hazard at the 9.5th percentile nationally — 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 1.3 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.
Mandatory flood insurance compliance in Union County
4.6% of the homes FEMA requires to carry flood insurance in Union County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 1 policies against 22 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Union County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Union County compares nationally
Union County sits at rank 2861 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2666 of 3144 by population (1 is biggest). Union County, Indiana is home to about 6,884 people across 161.191 square miles of land.
Your street may differ from Union County's average
Across all of Union County's 4,016 residential structures, 1 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Union County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.