How much flood risk does Morris County actually carry?
Morris County lands at the 96.3th percentile of FEMA's National Risk Index for flooding, "Relatively High" territory — well above the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 4.4 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Morris County's flood-insurance compliance gap
Morris County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Morris County, not just the ones FEMA mandates, 1.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Morris County against the rest of the country
Morris County sits at rank 125 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 142 of 3144 by population (1 is biggest). Morris County, New Jersey is home to about 523,053 people across 461.027 square miles of land.
What to do next if you own or are buying in Morris County
Across all of Morris County's 151,495 residential structures, 2,195 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 Morris County's numbers. See the data quality guide for why Morris County, like hundreds of other counties, doesn't get a clean compliance percentage.