Is Sarpy County, NE in a flood zone?
FEMA's National Risk Index puts Sarpy County's flood hazard at the 73.6th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Sarpy County
36.3% of the homes FEMA requires to carry flood insurance in Sarpy County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 390 policies against 1,076 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Sarpy County, not just the ones FEMA mandates, 0.9% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Sarpy County compares nationally
Sarpy County sits at rank 866 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 350 of 3144 by population (1 is biggest). Sarpy County, Nebraska is home to about 204,828 people across 238.005 square miles of land.
Checking a specific address in Sarpy County
FEMA counts 60,091 residential structures in Sarpy County overall, 551 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 Sarpy 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.