Oscoda County, MI: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Oscoda County scores at the 25.5th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 once every 9 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Oscoda County's flood-insurance compliance gap
FEMA hasn't published a residential structure count for Oscoda County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0% of all residential structures in Oscoda County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Oscoda County ranks
Among the 3144 US counties FEMA scores for flood hazard, Oscoda County ranks 2388 — 1 being the highest hazard nationally — and 2523 by population among all 3144 counties covered here, where 1 is the largest. Oscoda County, Michigan is home to about 8,596 people across 565.674 square miles of land.
Your street may differ from Oscoda County's average
FEMA counts 9,839 residential structures in Oscoda County overall, 0 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Oscoda County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Oscoda County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.