Flagler County, FL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Flagler County scores at the 79.2th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 1.3 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Flagler County's flood-insurance compliance gap
FEMA's own figures for Flagler County report more NFIP policies in the mapped flood zone than FEMA's own count of residential structures there, which produces a compliance rate over 100% — a data problem on FEMA's side, not evidence that everyone here is over-insured. See the data quality guide for how widespread this is. Looking beyond the mandated zone, 15.2% of all residential structures in Flagler County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Flagler County ranks
Among the 3144 US counties FEMA scores for flood hazard, Flagler County ranks 683 — 1 being the highest hazard nationally — and 487 by population among all 3144 counties covered here, where 1 is the largest. Flagler County, Florida covers 486.191 square miles and counts roughly 136,744 residents.
Checking a specific address in Flagler County
FEMA counts 49,625 residential structures in Flagler County overall, 7,540 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Flagler County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Flagler County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.