How much flood risk does Gila County actually carry?
Gila County lands at the 93.1th 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 5.5 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 Gila County
Out of 2,220 homes FEMA counts inside Gila County's mapped flood zone, 235 carry the flood policy federal law requires there — 10.6% compliance, short of full coverage. Across all residential structures in Gila County, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Gila County against the rest of the country
Gila County sits at rank 235 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 957 of 3144 by population (1 is biggest). About 54,073 people live in Gila County, Arizona, spread over 4,757.578 square miles.
Checking a specific address in Gila County
FEMA counts 29,885 residential structures in Gila County overall, 268 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Gila 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.