How much flood risk does Prowers County actually carry?
Prowers County lands at the 49.5th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the 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.
Prowers County's flood-insurance compliance gap
7.8% of the homes FEMA requires to carry flood insurance in Prowers County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 11 policies against 142 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Prowers County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Prowers County against the rest of the country
Prowers County sits at rank 1650 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2285 of 3144 by population (1 is biggest). Prowers County, Colorado is home to about 11,957 people across 1,638.407 square miles of land.
Your street may differ from Prowers County's average
FEMA counts 5,675 residential structures in Prowers County overall, 17 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Prowers County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.