Is Adams County, WA in a flood zone?
FEMA's National Risk Index puts Adams County's flood hazard at the 34.3th percentile nationally — 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 7 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
5.4% 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: 9 policies against 168 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Adams County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Adams County against the rest of the country
Adams County sits at rank 2127 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1769 of 3144 by population (1 is biggest). About 21,039 people live in Adams County, Washington, spread over 1,924.989 square miles.
Your street may differ from Adams County's average
9 of Adams County's 6,925 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Adams 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.