Is Shenandoah County, VA in a flood zone?
FEMA's National Risk Index puts Shenandoah County's flood hazard at the 73.9th 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 2.8 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
Out of 543 homes FEMA counts inside Shenandoah County's mapped flood zone, 57 carry the flood policy federal law requires there — 10.5% compliance, short of full coverage. Across all residential structures in Shenandoah County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Shenandoah County ranks
Shenandoah County sits at rank 859 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1086 of 3144 by population (1 is biggest). Shenandoah County, Virginia covers 508.08 square miles and counts roughly 45,441 residents.
Your street may differ from Shenandoah County's average
FEMA counts 18,554 residential structures in Shenandoah County overall, 98 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 Shenandoah 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.