Fillmore County, MN flood risk explained
Flood hazard in Fillmore County sits at the 66.2th national percentile, 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 1.4 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Fillmore County
Homes with a federally backed mortgage inside Fillmore 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, 16.1% of them do — 55 active policies against 341 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.5% of all residential structures in Fillmore County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Fillmore County ranks
Among the 3144 US counties FEMA scores for flood hazard, Fillmore County ranks 1111 — 1 being the highest hazard nationally — and 1745 by population among all 3144 counties covered here, where 1 is the largest. About 21,502 people live in Fillmore County, Minnesota, spread over 861.333 square miles.
Checking a specific address in Fillmore County
77 of Fillmore County's 15,715 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Fillmore 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.