Is Miller County, AR in a flood zone?
FEMA's National Risk Index puts Miller County's flood hazard at the 57.3th 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 1.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Miller 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, 10.7% of them do — 110 active policies against 1,033 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Miller County, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Miller County against the rest of the country
Miller County sits at rank 1405 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1157 of 3144 by population (1 is biggest). Miller County, Arkansas covers 624.04 square miles and counts roughly 41,958 residents.
Your street may differ from Miller County's average
Across all of Miller County's 17,363 residential structures, 148 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 Miller 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.