How much flood risk does Garfield County actually carry?
Garfield County lands at the 77.5th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the hazard 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. 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
Garfield County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Garfield County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Garfield County compares nationally
Garfield County sits at rank 737 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 862 of 3144 by population (1 is biggest). About 63,167 people live in Garfield County, Colorado, spread over 2,947.425 square miles.
Checking a specific address in Garfield County
103 of Garfield County's 22,831 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 Garfield County's numbers. See the data quality guide for why Garfield County, like hundreds of other counties, doesn't get a clean compliance percentage.