Bonner County, ID: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Bonner County scores at the 87th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 Bonner County
9.2% of the homes FEMA requires to carry flood insurance in Bonner County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 112 policies against 1,221 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.5% of all residential structures in Bonner County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Bonner County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Bonner County ranks 429 — 1 being the highest hazard nationally — and 961 by population among all 3144 counties covered here, where 1 is the largest. Bonner County, Idaho covers 1,733.229 square miles and counts roughly 53,955 residents.
Your street may differ from Bonner County's average
FEMA counts 26,362 residential structures in Bonner County overall, 135 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Bonner 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.