Cedar County, MO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Cedar County scores at the 24.7th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Cedar County
4.8% of the homes FEMA requires to carry flood insurance in Cedar County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 2 policies against 42 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0% of all residential structures in Cedar County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Cedar County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Cedar County ranks 2411 — 1 being the highest hazard nationally — and 2095 by population among all 3144 counties covered here, where 1 is the largest. Cedar County, Missouri is home to about 15,023 people across 474.47 square miles of land.
Your street may differ from Cedar County's average
2 of Cedar County's 8,065 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Cedar 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.