How much flood risk does Garrett County actually carry?
Garrett County lands at the 34.7th 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 2 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.
Mandatory flood insurance compliance in Garrett County
17.1% of the homes FEMA requires to carry flood insurance in Garrett County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 47 policies against 275 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Garrett County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Garrett County against the rest of the country
Garrett County sits at rank 2113 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1494 of 3144 by population (1 is biggest). Garrett County, Maryland is home to about 28,393 people across 649.077 square miles of land.
Checking a specific address in Garrett County
72 of Garrett County's 18,836 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 Garrett 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.