El Dorado County, CA flood risk explained
Flood hazard in El Dorado County sits at the 91.7th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Out of 445 homes FEMA counts inside El Dorado County's mapped flood zone, 107 carry the flood policy federal law requires there — 24% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in El Dorado County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How El Dorado County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, El Dorado County ranks 279 — 1 being the highest hazard nationally — and 367 by population among all 3144 counties covered here, where 1 is the largest. El Dorado County, California covers 1,707.842 square miles and counts roughly 192,823 residents.
Checking a specific address in El Dorado County
244 of El Dorado County's 81,842 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where El Dorado 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.