McLeod County, MN flood risk explained
Flood hazard in McLeod County sits at the 46.5th 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in McLeod County
Out of 108 homes FEMA counts inside McLeod County's mapped flood zone, 19 carry the flood policy federal law requires there — 17.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in McLeod County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where McLeod County ranks
Among the 3144 US counties FEMA scores for flood hazard, McLeod County ranks 1742 — 1 being the highest hazard nationally — and 1269 by population among all 3144 counties covered here, where 1 is the largest. About 36,780 people live in McLeod County, Minnesota, spread over 491.51 square miles.
What to do next if you own or are buying in McLeod County
Across all of McLeod County's 14,557 residential structures, 34 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where McLeod 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.