How much flood risk does Gladwin County actually carry?
Gladwin County lands at the 53.9th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — 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 3 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Gladwin County's flood-insurance compliance gap
12.9% of the homes FEMA requires to carry flood insurance in Gladwin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 22 policies against 171 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Gladwin County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Gladwin County against the rest of the country
Gladwin County sits at rank 1511 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1583 of 3144 by population (1 is biggest). Gladwin County, Michigan covers 501.787 square miles and counts roughly 25,995 residents.
Your street may differ from Gladwin County's average
FEMA counts 18,568 residential structures in Gladwin County overall, 37 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 Gladwin 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.