Is Kemper County, MS in a flood zone?
FEMA's National Risk Index puts Kemper County's flood hazard at the 9.4th percentile nationally — 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 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
4% of the homes FEMA requires to carry flood insurance in Kemper County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 2 policies against 50 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Kemper County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Kemper County ranks
Kemper County sits at rank 2864 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2529 of 3144 by population (1 is biggest). Kemper County, Mississippi covers 766.182 square miles and counts roughly 8,562 residents.
Checking a specific address in Kemper County
2 of Kemper County's 3,647 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 Kemper 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.