Cloud County, KS: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Cloud County scores at the 22.3th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 344 homes FEMA counts inside Cloud County's mapped flood zone, 10 carry the flood policy federal law requires there — 2.9% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Cloud County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Cloud County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Cloud County ranks 2485 — 1 being the highest hazard nationally — and 2512 by population among all 3144 counties covered here, where 1 is the largest. Cloud County, Kansas covers 715.342 square miles and counts roughly 8,723 residents.
Checking a specific address in Cloud County
Across all of Cloud County's 5,250 residential structures, 14 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Cloud 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.