Is Allegany County, MD in a flood zone?
FEMA's National Risk Index puts Allegany County's flood hazard at the 73.6th 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 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 Allegany County
24.3% of the homes FEMA requires to carry flood insurance in Allegany County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 92 policies against 379 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Allegany County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Allegany County compares nationally
Allegany County sits at rank 867 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 813 of 3144 by population (1 is biggest). Allegany County, Maryland covers 422.199 square miles and counts roughly 67,097 residents.
Your street may differ from Allegany County's average
FEMA counts 28,070 residential structures in Allegany 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 Allegany 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.