Whitley County, IN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Whitley County scores at the 34.3th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is 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. 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 219 homes FEMA counts inside Whitley County's mapped flood zone, 53 carry the flood policy federal law requires there — 24.2% compliance, short of full coverage. Looking beyond the mandated zone, 0.5% of all residential structures in Whitley County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Whitley County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Whitley County ranks 2126 — 1 being the highest hazard nationally — and 1315 by population among all 3144 counties covered here, where 1 is the largest. About 34,885 people live in Whitley County, Indiana, spread over 335.622 square miles.
Your street may differ from Whitley County's average
Across all of Whitley County's 15,260 residential structures, 70 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Whitley 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.