Fremont County, CO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Fremont County scores at the 80.2th 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 1.6 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.
Fremont County's flood-insurance compliance gap
10.9% of the homes FEMA requires to carry flood insurance in Fremont County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 165 policies against 1,509 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.9% of all residential structures in Fremont County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Fremont County ranks
Among the 3144 US counties FEMA scores for flood hazard, Fremont County ranks 651 — 1 being the highest hazard nationally — and 1008 by population among all 3144 counties covered here, where 1 is the largest. Fremont County, Colorado covers 1,533.835 square miles and counts roughly 50,093 residents.
Checking a specific address in Fremont County
FEMA counts 20,827 residential structures in Fremont County overall, 184 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Fremont 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.