Kootenai County, ID: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Kootenai County scores at the 86.3th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 1.2 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Kootenai County's flood-insurance compliance gap
Out of 1,420 homes FEMA counts inside Kootenai County's mapped flood zone, 155 carry the flood policy federal law requires there — 10.9% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Kootenai County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Kootenai County ranks
Among the 3144 US counties FEMA scores for flood hazard, Kootenai County ranks 453 — 1 being the highest hazard nationally — and 373 by population among all 3144 counties covered here, where 1 is the largest. About 188,323 people live in Kootenai County, Idaho, spread over 1,237.793 square miles.
Checking a specific address in Kootenai County
Across all of Kootenai County's 67,103 residential structures, 209 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Kootenai 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.