Is Saline County, MO in a flood zone?
FEMA's National Risk Index puts Saline County's flood hazard at the 58.5th 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 4.6 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 Saline County
7% of the homes FEMA requires to carry flood insurance in Saline County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 7 policies against 100 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Saline County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Saline County against the rest of the country
Saline County sits at rank 1364 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1674 of 3144 by population (1 is biggest). About 23,325 people live in Saline County, Missouri, spread over 755.51 square miles.
What to do next if you own or are buying in Saline County
9 of Saline County's 7,059 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Saline 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.