Wayne County, OH flood risk explained
Flood hazard in Wayne County sits at the 71.9th national percentile, 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 once every 1 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
Out of 616 homes FEMA counts inside Wayne County's mapped flood zone, 93 carry the flood policy federal law requires there — 15.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Wayne County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Wayne County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Wayne County ranks 919 — 1 being the highest hazard nationally — and 545 by population among all 3144 counties covered here, where 1 is the largest. Wayne County, Ohio covers 555.017 square miles and counts roughly 116,632 residents.
Checking a specific address in Wayne County
126 of Wayne County's 45,545 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Wayne County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.