How much flood risk does Harney County actually carry?
Harney County lands at the 28.5th 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 3 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Harney County
Harney 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 Harney County, not just the ones FEMA mandates, 1.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Harney County compares nationally
Harney County sits at rank 2300 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2625 of 3144 by population (1 is biggest). About 7,402 people live in Harney County, Oregon, spread over 10,134.46 square miles.
Checking a specific address in Harney County
Across all of Harney County's 3,396 residential structures, 37 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Harney County's numbers. See the data quality guide for why Harney County, like hundreds of other counties, doesn't get a clean compliance percentage.