Sherman County, NE flood risk explained
Flood hazard in Sherman County sits at the 9.4th national percentile, among the lowest flood hazard in the country; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 133 homes FEMA counts inside Sherman County's mapped flood zone, 4 carry the flood policy federal law requires there — 3% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Sherman County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Sherman County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Sherman County ranks 2867 — 1 being the highest hazard nationally — and 2959 by population among all 3144 counties covered here, where 1 is the largest. About 2,949 people live in Sherman County, Nebraska, spread over 565.877 square miles.
Your street may differ from Sherman County's average
FEMA counts 2,885 residential structures in Sherman County overall, 4 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Sherman 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.