Crook County, OR flood risk explained
Flood hazard in Crook County sits at the 40.5th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. 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
26.2% of the homes FEMA requires to carry flood insurance in Crook County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 169 policies against 646 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.6% of all residential structures in Crook County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Crook County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Crook County ranks 1931 — 1 being the highest hazard nationally — and 1530 by population among all 3144 counties covered here, where 1 is the largest. Crook County, Oregon is home to about 27,336 people across 2,978.933 square miles of land.
Your street may differ from Crook County's average
FEMA counts 12,062 residential structures in Crook County overall, 190 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Crook 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.