How much flood risk does Davis County actually carry?
Davis County lands at the 59.5th 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. 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
Out of 405 homes FEMA counts inside Davis County's mapped flood zone, 46 carry the flood policy federal law requires there — 11.4% compliance, short of full coverage. Across all residential structures in Davis 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 Davis County compares nationally
Davis County sits at rank 1331 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 202 of 3144 by population (1 is biggest). Davis County, Utah is home to about 378,470 people across 324.76 square miles of land.
Your street may differ from Davis County's average
329 of Davis County's 99,140 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Davis 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.