How much flood risk does Garden County actually carry?
Garden County lands at the 2.8th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Garden County's flood-insurance compliance gap
Out of 232 homes FEMA counts inside Garden County's mapped flood zone, 13 carry the flood policy federal law requires there — 5.6% compliance, short of full coverage. Across all residential structures in Garden County, not just the ones FEMA mandates, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Garden County ranks
Garden County sits at rank 3061 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 3058 of 3144 by population (1 is biggest). About 1,804 people live in Garden County, Nebraska, spread over 1,704.826 square miles.
What to do next if you own or are buying in Garden County
13 of Garden County's 1,884 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Garden 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.