Fillmore County, MN Flood Zone & Flood Risk Data
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.