How much flood risk does Emmet County actually carry?
Emmet County lands at the 53.1th 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 6 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Emmet County's flood-insurance compliance gap
Emmet County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Emmet 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 Emmet County compares nationally
Emmet County sits at rank 1536 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1341 of 3144 by population (1 is biggest). Emmet County, Michigan is home to about 33,949 people across 467.546 square miles of land.
Checking a specific address in Emmet County
FEMA counts 18,595 residential structures in Emmet County overall, 61 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 Emmet County's numbers. See the data quality guide for why Emmet County, like hundreds of other counties, doesn't get a clean compliance percentage.