Mower County, MN flood risk explained
Flood hazard in Mower County sits at the 75th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.9 times a year. 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
Out of 253 homes FEMA counts inside Mower County's mapped flood zone, 42 carry the flood policy federal law requires there — 16.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.4% of all residential structures in Mower County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Mower County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Mower County ranks 821 — 1 being the highest hazard nationally — and 1175 by population among all 3144 counties covered here, where 1 is the largest. Mower County, Minnesota is home to about 40,900 people across 711.273 square miles of land.
What to do next if you own or are buying in Mower County
75 of Mower County's 20,558 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Mower 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.