Ripley County, MO flood risk explained
Flood hazard in Ripley County sits at the 59.4th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.6 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Ripley County's flood-insurance compliance gap
Out of 444 homes FEMA counts inside Ripley County's mapped flood zone, 68 carry the flood policy federal law requires there — 15.3% compliance, short of full coverage. Looking beyond the mandated zone, 1.2% of all residential structures in Ripley County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Ripley County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Ripley County ranks 1337 — 1 being the highest hazard nationally — and 2363 by population among all 3144 counties covered here, where 1 is the largest. Ripley County, Missouri is home to about 10,715 people across 629.516 square miles of land.
What to do next if you own or are buying in Ripley County
FEMA counts 7,269 residential structures in Ripley County overall, 87 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Ripley 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.