St. Louis County, MN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, St. Louis County scores at the 91.8th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
St. Louis County's flood-insurance compliance gap
FEMA hasn't published a residential structure count for St. Louis County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.3% of all residential structures in St. Louis County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where St. Louis County ranks
Among the 3144 US counties FEMA scores for flood hazard, St. Louis County ranks 276 — 1 being the highest hazard nationally — and 355 by population among all 3144 counties covered here, where 1 is the largest. About 200,794 people live in St. Louis County, Minnesota, spread over 6,248.121 square miles.
What to do next if you own or are buying in St. Louis County
Across all of St. Louis County's 102,629 residential structures, 290 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where St. Louis County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. St. Louis County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.