Logan County, CO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Logan County scores at the 46.6th 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 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Logan County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Logan 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, 6.3% of them do — 171 active policies against 2,708 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1.9% of all residential structures in Logan County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Logan County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Logan County ranks 1739 — 1 being the highest hazard nationally — and 1783 by population among all 3144 counties covered here, where 1 is the largest. Logan County, Colorado covers 1,838.599 square miles and counts roughly 20,755 residents.
What to do next if you own or are buying in Logan County
173 of Logan County's 9,306 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Logan 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.