Hamilton County, NE: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Hamilton County scores at the 16.9th 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 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
5.5% of the homes FEMA requires to carry flood insurance in Hamilton County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 15 policies against 272 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in Hamilton County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Hamilton County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Hamilton County ranks 2647 — 1 being the highest hazard nationally — and 2443 by population among all 3144 counties covered here, where 1 is the largest. About 9,564 people live in Hamilton County, Nebraska, spread over 542.03 square miles.
Your street may differ from Hamilton County's average
Across all of Hamilton County's 6,268 residential structures, 20 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Hamilton 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.