How much flood risk does Davie County actually carry?
Davie County lands at the 58.6th 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 once every 3 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Davie County's flood-insurance compliance gap
Out of 43 homes FEMA counts inside Davie County's mapped flood zone, 19 carry the flood policy federal law requires there — 44.2% compliance, short of full coverage. Across all residential structures in Davie County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Davie County compares nationally
Davie County sits at rank 1361 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1087 of 3144 by population (1 is biggest). Davie County, North Carolina is home to about 45,383 people across 263.699 square miles of land.
What to do next if you own or are buying in Davie County
FEMA counts 18,974 residential structures in Davie County overall, 56 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 Davie 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.