Lincoln County, WY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lincoln County scores at the 35.5th 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 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Lincoln County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 4.7% of them do — 16 active policies against 344 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.3% 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.
Where Lincoln County ranks
Among the 3144 US counties FEMA scores for flood hazard, Lincoln County ranks 2089 — 1 being the highest hazard nationally — and 1771 by population among all 3144 counties covered here, where 1 is the largest. Lincoln County, Wyoming is home to about 21,000 people across 4,075.337 square miles of land.
Checking a specific address in Lincoln County
FEMA counts 10,985 residential structures in Lincoln County overall, 32 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.