Is Ferry County, WA in a flood zone?
FEMA's National Risk Index puts Ferry County's flood hazard at the 52.3th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. 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
Homes with a federally backed mortgage inside Ferry County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 6.9% of them do — 13 active policies against 189 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Ferry 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 Ferry County compares nationally
Ferry County sits at rank 1564 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2614 of 3144 by population (1 is biggest). About 7,543 people live in Ferry County, Washington, spread over 2,203.23 square miles.
What to do next if you own or are buying in Ferry County
Across all of Ferry County's 5,171 residential structures, 16 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Ferry 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.