Coos County, OR: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Coos County scores at the 87.4th percentile for flood hazard, rated "Relatively High" — well above the national norm for flood hazard. The hazard here is split between inland river flooding (about 2.3 times a year) and coastal storm surge (about 4.8 times a year). County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Coos County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 11.1% of them do — 136 active policies against 1,222 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.8% of all residential structures in Coos County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Coos County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Coos County ranks 415 — 1 being the highest hazard nationally — and 850 by population among all 3144 counties covered here, where 1 is the largest. Coos County, Oregon is home to about 64,326 people across 1,596.051 square miles of land.
Checking a specific address in Coos County
FEMA counts 27,012 residential structures in Coos County overall, 223 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Coos County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Coos County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.