Pinal County, AZ flood risk explained
Flood hazard in Pinal County sits at the 96.4th national percentile, well above 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 3.9 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Pinal County's flood-insurance compliance gap
20.7% of the homes FEMA requires to carry flood insurance in Pinal County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 607 policies against 2,932 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.5% of all residential structures in Pinal County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Pinal County ranks
Among the 3144 US counties FEMA scores for flood hazard, Pinal County ranks 121 — 1 being the highest hazard nationally — and 145 by population among all 3144 counties covered here, where 1 is the largest. About 513,862 people live in Pinal County, Arizona, spread over 5,366.684 square miles.
Your street may differ from Pinal County's average
FEMA counts 173,021 residential structures in Pinal County overall, 839 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Pinal 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.