Is Washington County, KY in a flood zone?
FEMA's National Risk Index puts Washington County's flood hazard at the 27.8th 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 once every 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
4.6% of the homes FEMA requires to carry flood insurance in Washington County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 5 policies against 110 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Washington County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Washington County ranks
Washington County sits at rank 2318 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2270 of 3144 by population (1 is biggest). Washington County, Kentucky covers 297.286 square miles and counts roughly 12,269 residents.
Checking a specific address in Washington County
11 of Washington County's 6,028 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 Washington 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.