How much flood risk does Middlesex County actually carry?
Middlesex County lands at the 58th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.7 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Middlesex County
41.1% of the homes FEMA requires to carry flood insurance in Middlesex County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 141 policies against 343 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Middlesex County, not just the ones FEMA mandates, 4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Middlesex County against the rest of the country
Middlesex County sits at rank 1384 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2348 of 3144 by population (1 is biggest). Middlesex County, Virginia is home to about 10,949 people across 130.328 square miles of land.
Checking a specific address in Middlesex County
Across all of Middlesex County's 7,279 residential structures, 291 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Middlesex County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.