Oneida County, NY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Oneida County scores at the 91.1th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 2.3 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.
Mandatory flood insurance compliance in Oneida County
20.1% of the homes FEMA requires to carry flood insurance in Oneida County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 304 policies against 1,511 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.6% of all residential structures in Oneida County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Oneida County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Oneida County ranks 301 — 1 being the highest hazard nationally — and 315 by population among all 3144 counties covered here, where 1 is the largest. Oneida County, New York covers 1,212.442 square miles and counts roughly 228,347 residents.
Checking a specific address in Oneida County
465 of Oneida County's 83,052 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Oneida 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.