Is Audrain County, MO in a flood zone?
FEMA's National Risk Index puts Audrain County's flood hazard at the 55.3th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Audrain County's flood-insurance compliance gap
19.1% of the homes FEMA requires to carry flood insurance in Audrain County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 30 policies against 157 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Audrain County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Audrain County ranks
Audrain County sits at rank 1470 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1640 of 3144 by population (1 is biggest). Audrain County, Missouri is home to about 24,304 people across 692.25 square miles of land.
Your street may differ from Audrain County's average
FEMA counts 12,199 residential structures in Audrain County overall, 32 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 Audrain 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.