Fremont County, WY flood risk explained
Flood hazard in Fremont County sits at the 66.5th national percentile, 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 1.5 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Fremont County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 14.2% of them do — 22 active policies against 155 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.2% 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.
How Fremont County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Fremont County ranks 1100 — 1 being the highest hazard nationally — and 1194 by population among all 3144 counties covered here, where 1 is the largest. About 39,721 people live in Fremont County, Wyoming, spread over 9,183.597 square miles.
What to do next if you own or are buying in Fremont County
31 of Fremont County's 19,090 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
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.