Is Roseau County, MN in a flood zone?
FEMA's National Risk Index puts Roseau County's flood hazard at the 60th percentile nationally — 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 once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Roseau County's flood-insurance compliance gap
6.5% of the homes FEMA requires to carry flood insurance in Roseau County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 37 policies against 571 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Roseau County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Roseau County ranks
Roseau County sits at rank 1318 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2075 of 3144 by population (1 is biggest). About 15,265 people live in Roseau County, Minnesota, spread over 1,671.739 square miles.
Checking a specific address in Roseau County
FEMA counts 9,863 residential structures in Roseau County overall, 44 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Roseau County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.