Bradford County, PA flood risk explained
Flood hazard in Bradford County sits at the 86.1th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 3.3 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
26.1% of the homes FEMA requires to carry flood insurance in Bradford County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 398 policies against 1,527 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.6% of all residential structures in Bradford County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Bradford County ranks
Among the 3144 US counties FEMA scores for flood hazard, Bradford County ranks 462 — 1 being the highest hazard nationally — and 895 by population among all 3144 counties covered here, where 1 is the largest. Bradford County, Pennsylvania covers 1,147.376 square miles and counts roughly 59,699 residents.
Checking a specific address in Bradford County
FEMA counts 29,092 residential structures in Bradford County overall, 458 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Bradford 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.