How much flood risk does Warren County actually carry?
Warren County lands at the 82.8th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Warren County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Warren 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, 8.5% of them do — 131 active policies against 1,534 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Warren County, not just the ones FEMA mandates, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Warren County ranks
Warren County sits at rank 566 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1254 of 3144 by population (1 is biggest). Warren County, Pennsylvania is home to about 37,373 people across 884.293 square miles of land.
Checking a specific address in Warren County
FEMA counts 22,951 residential structures in Warren County overall, 154 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Warren 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.