Red Willow County, NE: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Red Willow County scores at the 10.9th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Red Willow County's flood-insurance compliance gap
3.5% of the homes FEMA requires to carry flood insurance in Red Willow County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4 policies against 114 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Red Willow County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Red Willow County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Red Willow County ranks 2819 — 1 being the highest hazard nationally — and 2383 by population among all 3144 counties covered here, where 1 is the largest. Red Willow County, Nebraska covers 717.17 square miles and counts roughly 10,409 residents.
Your street may differ from Red Willow County's average
FEMA counts 5,769 residential structures in Red Willow County overall, 7 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Red Willow 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.