Harlan County, NE flood risk explained
Flood hazard in Harlan County sits at the 9.3th national percentile, among the lowest flood hazard in the country; 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Harlan County's flood-insurance compliance gap
Out of 29 homes FEMA counts inside Harlan County's mapped flood zone, 0 carry the flood policy federal law requires there — 0% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Harlan County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Harlan County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Harlan County ranks 2869 — 1 being the highest hazard nationally — and 2955 by population among all 3144 counties covered here, where 1 is the largest. About 3,018 people live in Harlan County, Nebraska, spread over 553.466 square miles.
Checking a specific address in Harlan County
2 of Harlan County's 2,987 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Harlan 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.