Is Mercer County, MO in a flood zone?
FEMA's National Risk Index puts Mercer County's flood hazard at the 17.9th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Mercer County
Homes with a federally backed mortgage inside Mercer County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 0% of them do — 0 active policies against 42 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Mercer 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.
Where Mercer County ranks
Mercer County sits at rank 2619 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2925 of 3144 by population (1 is biggest). About 3,452 people live in Mercer County, Missouri, spread over 453.835 square miles.
Checking a specific address in Mercer County
0 of Mercer County's 3,112 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Mercer 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.