Floyd County, VA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Floyd County scores at the 17.3th 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 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Floyd County
9.1% 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: 5 policies against 55 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Floyd County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Floyd County ranks
Among the 3144 US counties FEMA scores for flood hazard, Floyd County ranks 2634 — 1 being the highest hazard nationally — and 2056 by population among all 3144 counties covered here, where 1 is the largest. About 15,658 people live in Floyd County, Virginia, spread over 380.923 square miles.
Your street may differ from Floyd County's average
12 of Floyd County's 6,730 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Floyd 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.