Franklin County, MO flood risk explained
Flood hazard in Franklin County sits at the 85.4th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
13.9% of the homes FEMA requires to carry flood insurance in Franklin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 112 policies against 804 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Franklin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Franklin County ranks
Among the 3144 US counties FEMA scores for flood hazard, Franklin County ranks 483 — 1 being the highest hazard nationally — and 588 by population among all 3144 counties covered here, where 1 is the largest. Franklin County, Missouri is home to about 107,256 people across 922.491 square miles of land.
Your street may differ from Franklin County's average
156 of Franklin County's 45,430 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Franklin 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.