Pine County, MN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Pine County scores at the 69.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Pine County's flood-insurance compliance gap
Out of 787 homes FEMA counts inside Pine County's mapped flood zone, 88 carry the flood policy federal law requires there — 11.2% compliance, short of full coverage. Looking beyond the mandated zone, 0.5% of all residential structures in Pine County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Pine County ranks
Among the 3144 US counties FEMA scores for flood hazard, Pine County ranks 1006 — 1 being the highest hazard nationally — and 1437 by population among all 3144 counties covered here, where 1 is the largest. Pine County, Minnesota covers 1,411.333 square miles and counts roughly 30,319 residents.
What to do next if you own or are buying in Pine County
Across all of Pine County's 21,869 residential structures, 106 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Pine 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.