Carroll County, MO flood risk explained
Flood hazard in Carroll County sits at the 45.4th national percentile, 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 2.4 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Carroll County's flood-insurance compliance gap
Out of 313 homes FEMA counts inside Carroll County's mapped flood zone, 14 carry the flood policy federal law requires there — 4.5% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Carroll County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Carroll County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Carroll County ranks 1779 — 1 being the highest hazard nationally — and 2544 by population among all 3144 counties covered here, where 1 is the largest. Carroll County, Missouri covers 694.622 square miles and counts roughly 8,414 residents.
What to do next if you own or are buying in Carroll County
15 of Carroll County's 5,786 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Carroll 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.