Saratoga County, NY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Saratoga County scores at the 83.3th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 2.9 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Saratoga County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.6% of all residential structures in Saratoga County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Saratoga County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Saratoga County ranks 548 — 1 being the highest hazard nationally — and 301 by population among all 3144 counties covered here, where 1 is the largest. Saratoga County, New York covers 809.97 square miles and counts roughly 240,360 residents.
Your street may differ from Saratoga County's average
Across all of Saratoga County's 85,415 residential structures, 518 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Saratoga County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Saratoga County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.