Is Baker County, OR in a flood zone?
FEMA's National Risk Index puts Baker County's flood hazard at the 47.8th 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 once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Baker County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Baker County, not just the ones FEMA mandates, 0.8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Baker County against the rest of the country
Baker County sits at rank 1704 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1990 of 3144 by population (1 is biggest). Baker County, Oregon covers 3,067.967 square miles and counts roughly 16,750 residents.
Checking a specific address in Baker County
FEMA counts 12,039 residential structures in Baker County overall, 92 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 Baker County's numbers. See the data quality guide for why Baker County, like hundreds of other counties, doesn't get a clean compliance percentage.