Is Union County, PA in a flood zone?
FEMA's National Risk Index puts Union County's flood hazard at the 71.8th percentile nationally — below the national norm for flood hazard — 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. 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
Out of 1,136 homes FEMA counts inside Union County's mapped flood zone, 189 carry the flood policy federal law requires there — 16.6% compliance, short of full coverage. Across all residential structures in Union County, not just the ones FEMA mandates, 2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Union County against the rest of the country
Union County sits at rank 925 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1146 of 3144 by population (1 is biggest). Union County, Pennsylvania is home to about 42,159 people across 315.957 square miles of land.
Your street may differ from Union County's average
231 of Union County's 11,696 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
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.