How much flood risk does Choctaw County actually carry?
Choctaw County lands at the 73.5th 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 1.3 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Choctaw County's flood-insurance compliance gap
3.8% of the homes FEMA requires to carry flood insurance in Choctaw County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 20 policies against 521 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Choctaw County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Choctaw County ranks
Choctaw County sits at rank 872 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2278 of 3144 by population (1 is biggest). About 12,052 people live in Choctaw County, Alabama, spread over 913.479 square miles.
Your street may differ from Choctaw County's average
27 of Choctaw County's 7,576 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 Choctaw 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.