Kootenai County, ID Flood Zone & Flood Risk Data
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.