How much flood risk does San Miguel County actually carry?
San Miguel County lands at the 31.6th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.2 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 San Miguel County
San Miguel County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in San Miguel County, not just the ones FEMA mandates, 2.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where San Miguel County ranks
San Miguel County sits at rank 2210 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2587 of 3144 by population (1 is biggest). San Miguel County, Colorado is home to about 7,819 people across 1,286.725 square miles of land.
Checking a specific address in San Miguel County
147 of San Miguel County's 5,525 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 San Miguel County's numbers. See the data quality guide for why San Miguel County, like hundreds of other counties, doesn't get a clean compliance percentage.