Cleburne County, AR: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Cleburne County scores at the 73.3th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1 times a year. 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
12% of the homes FEMA requires to carry flood insurance in Cleburne County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 105 policies against 873 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.8% of all residential structures in Cleburne County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Cleburne County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Cleburne County ranks 880 — 1 being the highest hazard nationally — and 1600 by population among all 3144 counties covered here, where 1 is the largest. About 25,646 people live in Cleburne County, Arkansas, spread over 553.959 square miles.
Your street may differ from Cleburne County's average
134 of Cleburne County's 16,076 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Cleburne County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.