Montour County, PA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Montour County scores at the 38.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
14.2% of the homes FEMA requires to carry flood insurance in Montour County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 41 policies against 288 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1% of all residential structures in Montour County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Montour County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Montour County ranks 2002 — 1 being the highest hazard nationally — and 1928 by population among all 3144 counties covered here, where 1 is the largest. Montour County, Pennsylvania covers 130.331 square miles and counts roughly 18,115 residents.
Checking a specific address in Montour County
Across all of Montour County's 6,244 residential structures, 62 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Montour 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.