Morrow County, OR flood risk explained
Flood hazard in Morrow County sits at the 40.1th 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 4 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Morrow County's flood-insurance compliance gap
Out of 301 homes FEMA counts inside Morrow County's mapped flood zone, 29 carry the flood policy federal law requires there — 9.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.8% of all residential structures in Morrow County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Morrow County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Morrow County ranks 1946 — 1 being the highest hazard nationally — and 2265 by population among all 3144 counties covered here, where 1 is the largest. Morrow County, Oregon covers 2,030.529 square miles and counts roughly 12,360 residents.
Checking a specific address in Morrow County
Across all of Morrow County's 3,794 residential structures, 32 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Morrow 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.