Stark County, ND: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Stark County scores at the 22.3th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 once every 4 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
Out of 536 homes FEMA counts inside Stark County's mapped flood zone, 69 carry the flood policy federal law requires there — 12.9% compliance, short of full coverage. Looking beyond the mandated zone, 0.7% of all residential structures in Stark County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Stark County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Stark County ranks 2483 — 1 being the highest hazard nationally — and 1345 by population among all 3144 counties covered here, where 1 is the largest. Stark County, North Dakota is home to about 33,767 people across 1,334.914 square miles of land.
Checking a specific address in Stark County
Across all of Stark County's 12,403 residential structures, 83 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Stark 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.