McKinley County, NM: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, McKinley County scores at the 86.8th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 1.4 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
3.7% of the homes FEMA requires to carry flood insurance in McKinley County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 16 policies against 429 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 McKinley County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How McKinley County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, McKinley County ranks 436 — 1 being the highest hazard nationally — and 798 by population among all 3144 counties covered here, where 1 is the largest. McKinley County, New Mexico covers 5,451.064 square miles and counts roughly 68,945 residents.
Checking a specific address in McKinley County
Across all of McKinley County's 20,263 residential structures, 35 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where McKinley 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.