How much flood risk does Chenango County actually carry?
Chenango County lands at the 85.6th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the 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. 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 Chenango County
Out of 1,500 homes FEMA counts inside Chenango County's mapped flood zone, 298 carry the flood policy federal law requires there — 19.9% compliance, short of full coverage. Across all residential structures in Chenango County, not just the ones FEMA mandates, 1.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Chenango County against the rest of the country
Chenango County sits at rank 477 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1078 of 3144 by population (1 is biggest). Chenango County, New York is home to about 45,776 people across 893.443 square miles of land.
What to do next if you own or are buying in Chenango County
331 of Chenango County's 24,080 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Chenango 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.