Pike County, MO flood risk explained
Flood hazard in Pike County sits at the 45.1th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
15.4% of the homes FEMA requires to carry flood insurance in Pike County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 56 policies against 364 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.6% of all residential structures in Pike County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Pike County ranks
Among the 3144 US counties FEMA scores for flood hazard, Pike County ranks 1788 — 1 being the highest hazard nationally — and 1936 by population among all 3144 counties covered here, where 1 is the largest. Pike County, Missouri is home to about 17,961 people across 670.439 square miles of land.
Checking a specific address in Pike County
FEMA counts 9,145 residential structures in Pike County overall, 58 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Pike 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.