How much flood risk does Harding County actually carry?
Harding County lands at the 2.8th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — 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 7 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Harding County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Harding County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Harding County ranks
Harding County sits at rank 3063 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 3131 of 3144 by population (1 is biggest). About 635 people live in Harding County, New Mexico, spread over 2,125.478 square miles.
What to do next if you own or are buying in Harding County
FEMA counts 1,012 residential structures in Harding County overall, 0 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 Harding County's numbers. See the data quality guide for why Harding County, like hundreds of other counties, doesn't get a clean compliance percentage.