Lawrence County, MO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lawrence County scores at the 67.2th 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 3.7 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Lawrence County
Out of 270 homes FEMA counts inside Lawrence County's mapped flood zone, 45 carry the flood policy federal law requires there — 16.7% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Lawrence County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Lawrence County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Lawrence County ranks 1077 — 1 being the highest hazard nationally — and 1204 by population among all 3144 counties covered here, where 1 is the largest. About 39,151 people live in Lawrence County, Missouri, spread over 611.753 square miles.
Your street may differ from Lawrence County's average
53 of Lawrence County's 17,813 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Lawrence 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.