How much flood risk does Cameron County actually carry?
Cameron County lands at the 40.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — 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 3 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
7% of the homes FEMA requires to carry flood insurance in Cameron County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 55 policies against 786 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Cameron County, not just the ones FEMA mandates, 1.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Cameron County ranks
Cameron County sits at rank 1926 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2864 of 3144 by population (1 is biggest). About 4,348 people live in Cameron County, Pennsylvania, spread over 396.234 square miles.
What to do next if you own or are buying in Cameron County
FEMA counts 3,324 residential structures in Cameron County overall, 57 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 Cameron 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.