Is Warren County, VA in a flood zone?
FEMA's National Risk Index puts Warren County's flood hazard at the 55.7th 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 2.2 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 Warren County
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, 17.3% of them do — 94 active policies against 543 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Warren County, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Warren County against the rest of the country
Warren County sits at rank 1456 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1141 of 3144 by population (1 is biggest). Warren County, Virginia is home to about 42,461 people across 214.572 square miles of land.
What to do next if you own or are buying in Warren County
Across all of Warren County's 16,092 residential structures, 136 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 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.