Adams County, NE flood risk explained
Flood hazard in Adams County sits at the 32.8th national percentile, 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 1 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Adams County's flood-insurance compliance gap
18.1% of the homes FEMA requires to carry flood insurance in Adams County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 63 policies against 349 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.5% of all residential structures in Adams County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Adams County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Adams County ranks 2172 — 1 being the highest hazard nationally — and 1410 by population among all 3144 counties covered here, where 1 is the largest. Adams County, Nebraska is home to about 31,196 people across 563.26 square miles of land.
Checking a specific address in Adams County
Across all of Adams County's 13,030 residential structures, 71 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Adams 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.