How much flood risk does Macon County actually carry?
Macon County lands at the 47.7th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1 times a year. 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
2% of the homes FEMA requires to carry flood insurance in Macon County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3 policies against 149 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Macon County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Macon County against the rest of the country
Macon County sits at rank 1707 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2082 of 3144 by population (1 is biggest). About 15,177 people live in Macon County, Missouri, spread over 801.208 square miles.
Your street may differ from Macon County's average
FEMA counts 9,993 residential structures in Macon County overall, 4 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Macon County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.