Phillips County, CO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Phillips County scores at the 8.3th 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 2 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
FEMA hasn't published a residential structure count for Phillips 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, 0.3% of all residential structures in Phillips County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Phillips County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Phillips County ranks 2898 — 1 being the highest hazard nationally — and 2856 by population among all 3144 counties covered here, where 1 is the largest. About 4,488 people live in Phillips County, Colorado, spread over 687.928 square miles.
What to do next if you own or are buying in Phillips County
5 of Phillips County's 2,011 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Phillips County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Phillips 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.