Lake County, MI: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lake County scores at the 40.6th 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 3 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Lake County
FEMA hasn't published a residential structure count for Lake 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, 0.1% of all residential structures in Lake County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Lake County ranks
Among the 3144 US counties FEMA scores for flood hazard, Lake County ranks 1929 — 1 being the highest hazard nationally — and 2219 by population among all 3144 counties covered here, where 1 is the largest. Lake County, Michigan is home to about 13,005 people across 567.595 square miles of land.
Checking a specific address in Lake County
FEMA counts 12,805 residential structures in Lake County overall, 13 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Lake County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Lake 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.