How much flood risk does Harper County actually carry?
Harper County lands at the 16.3th 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 1.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Harper County
Harper 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 Harper County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Harper County compares nationally
Harper County sits at rank 2665 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2787 of 3144 by population (1 is biggest). About 5,413 people live in Harper County, Kansas, spread over 801.274 square miles.
Checking a specific address in Harper County
Across all of Harper County's 3,781 residential structures, 13 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 Harper County's numbers. See the data quality guide for why Harper County, like hundreds of other counties, doesn't get a clean compliance percentage.