Scotland County, NC flood risk explained
Flood hazard in Scotland County sits at the 56.4th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Scotland County
12.5% of the homes FEMA requires to carry flood insurance in Scotland County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 16 policies against 128 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Scotland County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Scotland County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Scotland County ranks 1434 — 1 being the highest hazard nationally — and 1343 by population among all 3144 counties covered here, where 1 is the largest. About 33,898 people live in Scotland County, North Carolina, spread over 319.14 square miles.
What to do next if you own or are buying in Scotland County
Across all of Scotland County's 14,660 residential structures, 58 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Scotland 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.