Andrew County, MO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Andrew County scores at the 24.7th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is 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. 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
7.7% of the homes FEMA requires to carry flood insurance in Andrew County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 27 policies against 351 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Andrew County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Andrew County ranks
Among the 3144 US counties FEMA scores for flood hazard, Andrew County ranks 2410 — 1 being the highest hazard nationally — and 1929 by population among all 3144 counties covered here, where 1 is the largest. Andrew County, Missouri is home to about 18,091 people across 432.634 square miles of land.
Your street may differ from Andrew County's average
Across all of Andrew County's 9,101 residential structures, 29 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Andrew 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.