Rappahannock County, VA flood risk explained
Flood hazard in Rappahannock County sits at the 20.5th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 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 97 homes FEMA counts inside Rappahannock County's mapped flood zone, 13 carry the flood policy federal law requires there — 13.4% compliance, short of full coverage. Looking beyond the mandated zone, 0.8% of all residential structures in Rappahannock County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Rappahannock County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Rappahannock County ranks 2541 — 1 being the highest hazard nationally — and 2619 by population among all 3144 counties covered here, where 1 is the largest. Rappahannock County, Virginia is home to about 7,479 people across 266.372 square miles of land.
Your street may differ from Rappahannock County's average
Across all of Rappahannock County's 3,680 residential structures, 31 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Rappahannock 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.