Manitowoc County, WI flood risk explained
Flood hazard in Manitowoc County sits at the 69.7th 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 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Manitowoc County
21.6% of the homes FEMA requires to carry flood insurance in Manitowoc County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 35 policies against 162 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Manitowoc County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Manitowoc County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Manitowoc County ranks 994 — 1 being the highest hazard nationally — and 714 by population among all 3144 counties covered here, where 1 is the largest. About 81,513 people live in Manitowoc County, Wisconsin, spread over 589.309 square miles.
Checking a specific address in Manitowoc County
FEMA counts 29,816 residential structures in Manitowoc County overall, 60 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Manitowoc 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.