Is Floyd County, IA in a flood zone?
FEMA's National Risk Index puts Floyd County's flood hazard at the 56.3th 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 1.8 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Floyd County
19% of the homes FEMA requires to carry flood insurance in Floyd County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 71 policies against 374 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Floyd County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Floyd County against the rest of the country
Floyd County sits at rank 1437 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2098 of 3144 by population (1 is biggest). Floyd County, Iowa is home to about 15,008 people across 500.571 square miles of land.
Checking a specific address in Floyd County
Across all of Floyd County's 8,069 residential structures, 87 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 Floyd 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.