How much flood risk does Alcona County actually carry?
Alcona County lands at the 41.3th 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 7 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Alcona County
Out of 878 homes FEMA counts inside Alcona County's mapped flood zone, 20 carry the flood policy federal law requires there — 2.3% compliance, short of full coverage. Across all residential structures in Alcona County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Alcona County compares nationally
Alcona County sits at rank 1906 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2372 of 3144 by population (1 is biggest). Alcona County, Michigan is home to about 10,624 people across 674.655 square miles of land.
Your street may differ from Alcona County's average
34 of Alcona County's 14,566 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 Alcona 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.