Roscommon County, MI: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Roscommon County scores at the 71.9th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 9 years. 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 Roscommon County
0.9% of the homes FEMA requires to carry flood insurance in Roscommon County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 1 policies against 115 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0% of all residential structures in Roscommon County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Roscommon County ranks
Among the 3144 US counties FEMA scores for flood hazard, Roscommon County ranks 922 — 1 being the highest hazard nationally — and 1653 by population among all 3144 counties covered here, where 1 is the largest. Roscommon County, Michigan covers 519.897 square miles and counts roughly 23,932 residents.
Your street may differ from Roscommon County's average
FEMA counts 22,805 residential structures in Roscommon 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 Roscommon 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.