How much flood risk does Clay County actually carry?
Clay County lands at the 35.3th 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 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
0% of the homes FEMA requires to carry flood insurance in Clay County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 0 policies against 57 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Clay County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Clay County against the rest of the country
Clay County sits at rank 2097 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2146 of 3144 by population (1 is biggest). Clay County, Alabama is home to about 14,239 people across 603.962 square miles of land.
Checking a specific address in Clay County
Across all of Clay County's 6,200 residential structures, 0 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Clay 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.