Cook County, MN flood risk explained
Flood hazard in Cook County sits at the 19.8th national percentile, among the lowest flood hazard in the country; split between inland river flooding (about once every 2 years) and coastal storm surge (about once every 56035923 years). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Cook County's flood-insurance compliance gap
FEMA hasn't published a residential structure count for Cook 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, 0.2% of all residential structures in Cook County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Cook County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Cook County ranks 2565 — 1 being the highest hazard nationally — and 2770 by population among all 3144 counties covered here, where 1 is the largest. Cook County, Minnesota covers 1,452.604 square miles and counts roughly 5,571 residents.
What to do next if you own or are buying in Cook County
FEMA counts 5,340 residential structures in Cook County overall, 12 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Cook County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Cook 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.