San Bernardino County, CA flood risk explained
Flood hazard in San Bernardino County sits at the 99.8th national percentile, among the highest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 13 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
San Bernardino County's flood-insurance compliance gap
14.8% of the homes FEMA requires to carry flood insurance in San Bernardino County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 1,373 policies against 9,277 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% of all residential structures in San Bernardino County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
San Bernardino County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, San Bernardino County ranks 8 — 1 being the highest hazard nationally — and 15 by population among all 3144 counties covered here, where 1 is the largest. About 2,214,281 people live in San Bernardino County, California, spread over 20,068.42 square miles.
Your street may differ from San Bernardino County's average
FEMA counts 624,158 residential structures in San Bernardino County overall, 1,919 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where San Bernardino 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.