How much flood risk does Chilton County actually carry?
Chilton County lands at the 60.2th 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 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Chilton County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Chilton County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 5.4% of them do — 12 active policies against 224 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Chilton 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.
Where Chilton County ranks
Chilton County sits at rank 1310 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1046 of 3144 by population (1 is biggest). About 47,262 people live in Chilton County, Alabama, spread over 692.838 square miles.
Checking a specific address in Chilton County
25 of Chilton County's 17,022 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 Chilton 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.