Is Wood County, OH in a flood zone?
FEMA's National Risk Index puts Wood County's flood hazard at the 75.7th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.2 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Wood County
Homes with a federally backed mortgage inside Wood 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, 11.6% of them do — 93 active policies against 805 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Wood County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Wood County compares nationally
Wood County sits at rank 799 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 495 of 3144 by population (1 is biggest). Wood County, Ohio covers 617.167 square miles and counts roughly 133,077 residents.
Checking a specific address in Wood County
FEMA counts 51,745 residential structures in Wood County overall, 135 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 Wood 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.