Baker County, FL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Baker County scores at the 22.7th 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 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Baker County
Homes with a federally backed mortgage inside Baker County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 20.9% of them do — 96 active policies against 459 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1.5% of all residential structures in Baker County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Baker County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Baker County ranks 2471 — 1 being the highest hazard nationally — and 1460 by population among all 3144 counties covered here, where 1 is the largest. Baker County, Florida covers 585.23 square miles and counts roughly 29,325 residents.
Your street may differ from Baker County's average
FEMA counts 9,954 residential structures in Baker County overall, 146 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Baker 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.