How much flood risk does Carver County actually carry?
Carver County lands at the 60.4th 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 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Carver County
Out of 124 homes FEMA counts inside Carver County's mapped flood zone, 26 carry the flood policy federal law requires there — 21% compliance, short of full coverage. Across all residential structures in Carver 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 Carver County compares nationally
Carver County sits at rank 1303 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 569 of 3144 by population (1 is biggest). About 112,628 people live in Carver County, Minnesota, spread over 353.878 square miles.
Your street may differ from Carver County's average
FEMA counts 38,740 residential structures in Carver County overall, 88 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 Carver 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.