How much flood risk does Caldwell County actually carry?
Caldwell County lands at the 21.9th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Caldwell County
Out of 22 homes FEMA counts inside Caldwell County's mapped flood zone, 1 carry the flood policy federal law requires there — 4.6% compliance, short of full coverage. Across all residential structures in Caldwell County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Caldwell County compares nationally
Caldwell County sits at rank 2499 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2494 of 3144 by population (1 is biggest). Caldwell County, Missouri covers 426.393 square miles and counts roughly 9,000 residents.
Checking a specific address in Caldwell County
FEMA counts 5,870 residential structures in Caldwell County overall, 1 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 Caldwell 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.