Grundy County, MO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Grundy County scores at the 30.2th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Grundy County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Grundy 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, 3.2% of them do — 1 active policies against 31 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0% of all residential structures in Grundy County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Grundy County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Grundy County ranks 2254 — 1 being the highest hazard nationally — and 2430 by population among all 3144 counties covered here, where 1 is the largest. Grundy County, Missouri covers 435.293 square miles and counts roughly 9,766 residents.
Your street may differ from Grundy County's average
Across all of Grundy County's 5,445 residential structures, 2 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Grundy 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.