Is Butler County, MO in a flood zone?
FEMA's National Risk Index puts Butler County's flood hazard at the 79.1th percentile nationally — 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 3.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Butler County
6.7% of the homes FEMA requires to carry flood insurance in Butler County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 245 policies against 3,645 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Butler County, not just the ones FEMA mandates, 1.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Butler County against the rest of the country
Butler County sits at rank 688 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1160 of 3144 by population (1 is biggest). Butler County, Missouri covers 694.754 square miles and counts roughly 41,814 residents.
Your street may differ from Butler County's average
FEMA counts 19,255 residential structures in Butler County overall, 261 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 Butler 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.