How much flood risk does Woodford County actually carry?
Woodford County lands at the 48th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard 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
36.1% of the homes FEMA requires to carry flood insurance in Woodford County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 110 policies against 305 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Woodford County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Woodford County against the rest of the country
Woodford County sits at rank 1698 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1510 of 3144 by population (1 is biggest). Woodford County, Kentucky is home to about 27,728 people across 189.573 square miles of land.
Your street may differ from Woodford County's average
Across all of Woodford County's 11,004 residential structures, 124 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 Woodford 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.