Kandiyohi County, MN flood risk explained
Flood hazard in Kandiyohi County sits at the 52.2th national percentile, below the national norm for flood 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
10.4% of the homes FEMA requires to carry flood insurance in Kandiyohi County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 10 policies against 96 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Kandiyohi County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Kandiyohi County ranks
Among the 3144 US counties FEMA scores for flood hazard, Kandiyohi County ranks 1565 — 1 being the highest hazard nationally — and 1100 by population among all 3144 counties covered here, where 1 is the largest. About 44,674 people live in Kandiyohi County, Minnesota, spread over 797.352 square miles.
Checking a specific address in Kandiyohi County
FEMA counts 21,888 residential structures in Kandiyohi County overall, 16 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Kandiyohi 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.