How much flood risk does Oneida County actually carry?
Oneida County lands at the 61.1th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below 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 once every 3 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Oneida County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 7% of them do — 13 active policies against 187 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Oneida County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Oneida County ranks
Oneida County sits at rank 1278 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1232 of 3144 by population (1 is biggest). Oneida County, Wisconsin covers 1,113.946 square miles and counts roughly 38,175 residents.
What to do next if you own or are buying in Oneida County
FEMA counts 23,738 residential structures in Oneida County overall, 28 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 Oneida 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.