Lonoke County, AR: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Lonoke County scores at the 69.3th 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 2 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Lonoke County's flood-insurance compliance gap
Out of 1,598 homes FEMA counts inside Lonoke County's mapped flood zone, 130 carry the flood policy federal law requires there — 8.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.7% of all residential structures in Lonoke County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Lonoke County ranks
Among the 3144 US counties FEMA scores for flood hazard, Lonoke County ranks 1004 — 1 being the highest hazard nationally — and 745 by population among all 3144 counties covered here, where 1 is the largest. Lonoke County, Arkansas covers 771.723 square miles and counts roughly 76,389 residents.
Checking a specific address in Lonoke County
FEMA counts 27,577 residential structures in Lonoke County overall, 180 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Lonoke 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.