How much flood risk does Moniteau County actually carry?
Moniteau County lands at the 32.5th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.2 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Moniteau County
7.5% of the homes FEMA requires to carry flood insurance in Moniteau County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 7 policies against 93 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Moniteau County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Moniteau County compares nationally
Moniteau County sits at rank 2183 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2072 of 3144 by population (1 is biggest). Moniteau County, Missouri is home to about 15,294 people across 415.033 square miles of land.
What to do next if you own or are buying in Moniteau County
7 of Moniteau County's 6,976 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 Moniteau 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.