Mono County, CA flood risk explained
Flood hazard in Mono County sits at the 46.9th national percentile, 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 1 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mono County's flood-insurance compliance gap
18.8% of the homes FEMA requires to carry flood insurance in Mono County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 77 policies against 410 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.1% of all residential structures in Mono County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Mono County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Mono County ranks 1732 — 1 being the highest hazard nationally — and 2220 by population among all 3144 counties covered here, where 1 is the largest. Mono County, California covers 3,048.904 square miles and counts roughly 12,991 residents.
Checking a specific address in Mono County
106 of Mono County's 9,462 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Mono County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.