How much flood risk does Sheboygan County actually carry?
Sheboygan County lands at the 71.8th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Sheboygan County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 19.1% of them do — 58 active policies against 304 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Sheboygan County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Sheboygan County compares nationally
Sheboygan County sits at rank 923 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 540 of 3144 by population (1 is biggest). Sheboygan County, Wisconsin is home to about 118,331 people across 511.519 square miles of land.
Checking a specific address in Sheboygan County
FEMA counts 37,285 residential structures in Sheboygan County overall, 113 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 Sheboygan 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.