Richland County, ND: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Richland County scores at the 29.5th 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 2.1 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.
Mandatory flood insurance compliance in Richland County
Out of 292 homes FEMA counts inside Richland County's mapped flood zone, 31 carry the flood policy federal law requires there — 10.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.7% of all residential structures in Richland County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Richland County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Richland County ranks 2270 — 1 being the highest hazard nationally — and 1995 by population among all 3144 counties covered here, where 1 is the largest. Richland County, North Dakota covers 1,435.674 square miles and counts roughly 16,658 residents.
Your street may differ from Richland County's average
52 of Richland County's 7,125 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Richland 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.