Fillmore County, NE: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Fillmore County scores at the 8.4th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Fillmore County
2.4% of the homes FEMA requires to carry flood insurance in Fillmore County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3 policies against 127 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% 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.
How Fillmore County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Fillmore County ranks 2894 — 1 being the highest hazard nationally — and 2778 by population among all 3144 counties covered here, where 1 is the largest. About 5,512 people live in Fillmore County, Nebraska, spread over 575.37 square miles.
Your street may differ from Fillmore County's average
Across all of Fillmore County's 4,392 residential structures, 5 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
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.