Otsego County, MI flood risk explained
Flood hazard in Otsego County sits at the 29th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 28 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Otsego County's flood-insurance compliance gap
FEMA hasn't published a residential structure count for Otsego 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 Otsego County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Otsego County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Otsego County ranks 2285 — 1 being the highest hazard nationally — and 1576 by population among all 3144 counties covered here, where 1 is the largest. About 26,083 people live in Otsego County, Michigan, spread over 515.006 square miles.
Checking a specific address in Otsego County
FEMA counts 13,397 residential structures in Otsego 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 Otsego County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Otsego 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.