How much flood risk does Clarke County actually carry?
Clarke County lands at the 36.7th 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 1.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Clarke County
Out of 436 homes FEMA counts inside Clarke County's mapped flood zone, 62 carry the flood policy federal law requires there — 14.2% compliance, short of full coverage. Across all residential structures in Clarke County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Clarke County compares nationally
Clarke County sits at rank 2054 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2084 of 3144 by population (1 is biggest). Clarke County, Mississippi is home to about 15,155 people across 691.576 square miles of land.
What to do next if you own or are buying in Clarke County
FEMA counts 6,686 residential structures in Clarke County overall, 73 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 Clarke 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.