Garfield County, NE flood risk explained
Flood hazard in Garfield County sits at the 4.2th national percentile, among the lowest flood hazard in the country; 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.
Who actually carries the flood insurance FEMA requires
0% of the homes FEMA requires to carry flood insurance in Garfield County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 0 policies against 42 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0% of all residential structures in Garfield County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Garfield County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Garfield County ranks 3019 — 1 being the highest hazard nationally — and 3066 by population among all 3144 counties covered here, where 1 is the largest. Garfield County, Nebraska is home to about 1,707 people across 569.356 square miles of land.
Checking a specific address in Garfield County
0 of Garfield County's 1,556 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Garfield 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.