Koochiching County, MN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Koochiching County scores at the 52.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Koochiching County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.3% of all residential structures in Koochiching County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Koochiching County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Koochiching County ranks 1563 — 1 being the highest hazard nationally — and 2311 by population among all 3144 counties covered here, where 1 is the largest. About 11,594 people live in Koochiching County, Minnesota, spread over 3,104.706 square miles.
Your street may differ from Koochiching County's average
FEMA counts 8,291 residential structures in Koochiching County overall, 23 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Koochiching County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Koochiching County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.