Is Oconto County, WI in a flood zone?
FEMA's National Risk Index puts Oconto County's flood hazard at the 68.8th percentile nationally — 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 1 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.
Oconto County's flood-insurance compliance gap
Out of 400 homes FEMA counts inside Oconto County's mapped flood zone, 69 carry the flood policy federal law requires there — 17.3% compliance, short of full coverage. Across all residential structures in Oconto County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Oconto County ranks
Oconto County sits at rank 1022 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1190 of 3144 by population (1 is biggest). Oconto County, Wisconsin is home to about 40,037 people across 997.48 square miles of land.
What to do next if you own or are buying in Oconto County
FEMA counts 20,511 residential structures in Oconto County overall, 105 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Oconto County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.