How much flood risk does Josephine County actually carry?
Josephine County lands at the 90.2th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — 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 2 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 Josephine County
15.6% of the homes FEMA requires to carry flood insurance in Josephine County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 320 policies against 2,051 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Josephine County, not just the ones FEMA mandates, 1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Josephine County compares nationally
Josephine County sits at rank 327 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 676 of 3144 by population (1 is biggest). Josephine County, Oregon covers 1,638.649 square miles and counts roughly 88,276 residents.
Your street may differ from Josephine County's average
393 of Josephine County's 38,858 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Josephine County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.