Is Grand County, CO in a flood zone?
FEMA's National Risk Index puts Grand County's flood hazard at the 62.4th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Grand County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Grand County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 10.3% of them do — 8 active policies against 78 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Grand 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.
How Grand County compares nationally
Grand County sits at rank 1234 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2027 of 3144 by population (1 is biggest). Grand County, Colorado is home to about 16,154 people across 1,846.582 square miles of land.
Your street may differ from Grand County's average
FEMA counts 13,736 residential structures in Grand County overall, 33 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 Grand 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.