Loup County, NE: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Loup County scores at the 0.7th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 9 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
Out of 14 homes FEMA counts inside Loup County's mapped flood zone, 0 carry the flood policy federal law requires there — 0% compliance, short of full coverage. Looking beyond the mandated zone, 0% of all residential structures in Loup County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Loup County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Loup County ranks 3124 — 1 being the highest hazard nationally — and 3133 by population among all 3144 counties covered here, where 1 is the largest. Loup County, Nebraska is home to about 582 people across 563.341 square miles of land.
What to do next if you own or are buying in Loup County
0 of Loup County's 738 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Loup 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.