Is Cabarrus County, NC in a flood zone?
FEMA's National Risk Index puts Cabarrus County's flood hazard at the 92.2th 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 2.3 times a year. 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
Out of 1,202 homes FEMA counts inside Cabarrus County's mapped flood zone, 239 carry the flood policy federal law requires there — 19.9% compliance, short of full coverage. Across all residential structures in Cabarrus County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Cabarrus County ranks
Cabarrus County sits at rank 263 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 297 of 3144 by population (1 is biggest). Cabarrus County, North Carolina covers 361.246 square miles and counts roughly 244,925 residents.
Your street may differ from Cabarrus County's average
FEMA counts 88,465 residential structures in Cabarrus County overall, 434 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 Cabarrus 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.