How much flood risk does Scotland County actually carry?
Scotland County lands at the 18.3th 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 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 Scotland County
Out of 12 homes FEMA counts inside Scotland County's mapped flood zone, 0 carry the flood policy federal law requires there — 0% compliance, short of full coverage. Across all residential structures in Scotland County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Scotland County against the rest of the country
Scotland County sits at rank 2609 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2838 of 3144 by population (1 is biggest). About 4,698 people live in Scotland County, Missouri, spread over 436.507 square miles.
What to do next if you own or are buying in Scotland County
FEMA counts 3,403 residential structures in Scotland County overall, 0 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 Scotland 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.