Clearwater County, MN flood risk explained
Flood hazard in Clearwater County sits at the 10.9th national percentile, among the lowest flood hazard in the country; 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Clearwater County's flood-insurance compliance gap
FEMA hasn't published a residential structure count for Clearwater County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0% of all residential structures in Clearwater County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Clearwater County ranks
Among the 3144 US counties FEMA scores for flood hazard, Clearwater County ranks 2820 — 1 being the highest hazard nationally — and 2521 by population among all 3144 counties covered here, where 1 is the largest. Clearwater County, Minnesota is home to about 8,630 people across 999.003 square miles of land.
What to do next if you own or are buying in Clearwater County
0 of Clearwater County's 4,142 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Clearwater County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Clearwater County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.