Linn County, MO flood risk explained
Flood hazard in Linn County sits at the 39th national percentile, below the national norm for flood hazard; 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Linn County's flood-insurance compliance gap
Out of 79 homes FEMA counts inside Linn County's mapped flood zone, 1 carry the flood policy federal law requires there — 1.3% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Linn County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Linn County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Linn County ranks 1981 — 1 being the highest hazard nationally — and 2288 by population among all 3144 counties covered here, where 1 is the largest. Linn County, Missouri is home to about 11,910 people across 615.588 square miles of land.
What to do next if you own or are buying in Linn County
FEMA counts 7,587 residential structures in Linn County overall, 6 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Linn 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.