How much flood risk does Caroline County actually carry?
Caroline County lands at the 26.8th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard split between inland river flooding (about once every 2 years) and coastal storm surge (about 3.8 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Caroline County's flood-insurance compliance gap
6.7% of the homes FEMA requires to carry flood insurance in Caroline County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 15 policies against 224 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Caroline County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Caroline County compares nationally
Caroline County sits at rank 2349 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1353 of 3144 by population (1 is biggest). Caroline County, Virginia is home to about 33,477 people across 527.365 square miles of land.
Checking a specific address in Caroline County
FEMA counts 13,549 residential structures in Caroline County overall, 59 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 Caroline County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.