Lincoln County, MO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lincoln County scores at the 70.3th 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 1.9 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Lincoln County's flood-insurance compliance gap
Out of 1,309 homes FEMA counts inside Lincoln County's mapped flood zone, 150 carry the flood policy federal law requires there — 11.5% compliance, short of full coverage. Looking beyond the mandated zone, 0.6% of all residential structures in Lincoln County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Lincoln County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Lincoln County ranks 974 — 1 being the highest hazard nationally — and 831 by population among all 3144 counties covered here, where 1 is the largest. About 65,888 people live in Lincoln County, Missouri, spread over 626.566 square miles.
Checking a specific address in Lincoln County
FEMA counts 27,653 residential structures in Lincoln County overall, 167 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Lincoln 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.