How much flood risk does Curry County actually carry?
Curry County lands at the 62.2th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 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
17.8% of the homes FEMA requires to carry flood insurance in Curry County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 50 policies against 281 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Curry County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Curry County compares nationally
Curry County sits at rank 1242 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1692 of 3144 by population (1 is biggest). Curry County, Oregon is home to about 22,774 people across 1,628.395 square miles of land.
Your street may differ from Curry County's average
FEMA counts 12,773 residential structures in Curry County overall, 144 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Curry 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.