Coconino County, AZ: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Coconino County scores at the 96.5th percentile for flood hazard, rated "Relatively High" — well above the national norm for flood hazard. 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 8 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Coconino County
29.6% of the homes FEMA requires to carry flood insurance in Coconino County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 318 policies against 1,073 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.4% of all residential structures in Coconino County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Coconino County ranks
Among the 3144 US counties FEMA scores for flood hazard, Coconino County ranks 119 — 1 being the highest hazard nationally — and 472 by population among all 3144 counties covered here, where 1 is the largest. About 145,161 people live in Coconino County, Arizona, spread over 18,616.366 square miles.
Checking a specific address in Coconino County
FEMA counts 52,606 residential structures in Coconino County overall, 733 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Coconino 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.