Pawnee County, NE: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Pawnee County scores at the 7.6th 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 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
0% of the homes FEMA requires to carry flood insurance in Pawnee County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 0 policies against 104 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0% of all residential structures in Pawnee County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Pawnee County ranks
Among the 3144 US counties FEMA scores for flood hazard, Pawnee County ranks 2920 — 1 being the highest hazard nationally — and 2993 by population among all 3144 counties covered here, where 1 is the largest. Pawnee County, Nebraska covers 431.075 square miles and counts roughly 2,521 residents.
Your street may differ from Pawnee County's average
FEMA counts 2,764 residential structures in Pawnee 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 Pawnee 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.