Is Callaway County, MO in a flood zone?
FEMA's National Risk Index puts Callaway County's flood hazard at the 68.4th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 times a year. 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 Callaway County
3.4% of the homes FEMA requires to carry flood insurance in Callaway County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 22 policies against 644 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Callaway County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Callaway County ranks
Callaway County sits at rank 1035 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1093 of 3144 by population (1 is biggest). About 45,126 people live in Callaway County, Missouri, spread over 834.565 square miles.
Your street may differ from Callaway County's average
28 of Callaway County's 24,424 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Callaway 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.