How much flood risk does Ralls County actually carry?
Ralls County lands at the 27.2th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. 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
Out of 83 homes FEMA counts inside Ralls County's mapped flood zone, 8 carry the flood policy federal law requires there — 9.6% compliance, short of full coverage. Across all residential structures in Ralls 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.
How Ralls County compares nationally
Ralls County sits at rank 2338 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2378 of 3144 by population (1 is biggest). Ralls County, Missouri is home to about 10,499 people across 469.793 square miles of land.
Your street may differ from Ralls County's average
15 of Ralls County's 6,101 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Ralls 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.