Calumet County, WI: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Calumet County scores at the 33.1th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Calumet County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Calumet County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 33% of them do — 31 active policies against 94 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.3% of all residential structures in Calumet County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Calumet County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Calumet County ranks 2163 — 1 being the highest hazard nationally — and 968 by population among all 3144 counties covered here, where 1 is the largest. Calumet County, Wisconsin is home to about 53,602 people across 318.25 square miles of land.
Your street may differ from Calumet County's average
FEMA counts 17,765 residential structures in Calumet County overall, 48 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Calumet 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.