How much flood risk does Clear Creek County actually carry?
Clear Creek County lands at the 40th 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 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Clear Creek County's flood-insurance compliance gap
Out of 285 homes FEMA counts inside Clear Creek County's mapped flood zone, 54 carry the flood policy federal law requires there — 19% compliance, short of full coverage. Across all residential structures in Clear Creek 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.
Clear Creek County against the rest of the country
Clear Creek County sits at rank 1950 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2490 of 3144 by population (1 is biggest). About 9,076 people live in Clear Creek County, Colorado, spread over 395.073 square miles.
Checking a specific address in Clear Creek County
73 of Clear Creek County's 5,094 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 Clear Creek 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.