How much flood risk does Crow Wing County actually carry?
Crow Wing County lands at the 84.2th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 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
10.1% of the homes FEMA requires to carry flood insurance in Crow Wing County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 67 policies against 661 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Crow Wing County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Crow Wing County compares nationally
Crow Wing County sits at rank 522 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 800 of 3144 by population (1 is biggest). Crow Wing County, Minnesota is home to about 68,642 people across 998.451 square miles of land.
Your street may differ from Crow Wing County's average
Across all of Crow Wing County's 41,225 residential structures, 88 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Crow Wing County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.