Is Mille Lacs County, MN in a flood zone?
FEMA's National Risk Index puts Mille Lacs County's flood hazard at the 46.2th percentile nationally — 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 2 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 Mille Lacs County
Out of 524 homes FEMA counts inside Mille Lacs County's mapped flood zone, 41 carry the flood policy federal law requires there — 7.8% compliance, short of full coverage. Across all residential structures in Mille Lacs County, not just the ones FEMA mandates, 0.4% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Mille Lacs County against the rest of the country
Mille Lacs County sits at rank 1752 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1520 of 3144 by population (1 is biggest). Mille Lacs County, Minnesota is home to about 27,577 people across 572.297 square miles of land.
What to do next if you own or are buying in Mille Lacs County
FEMA counts 14,472 residential structures in Mille Lacs County overall, 57 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Mille Lacs 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.