Is Carlton County, MN in a flood zone?
FEMA's National Risk Index puts Carlton County's flood hazard at the 64th 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 once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Carlton County
Carlton County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Carlton County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Carlton County compares nationally
Carlton County sits at rank 1182 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1271 of 3144 by population (1 is biggest). About 36,745 people live in Carlton County, Minnesota, spread over 861.195 square miles.
Your street may differ from Carlton County's average
FEMA counts 14,378 residential structures in Carlton County overall, 29 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 Carlton County's numbers. See the data quality guide for why Carlton County, like hundreds of other counties, doesn't get a clean compliance percentage.