Steuben County, NY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Steuben County scores at the 87.5th 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 2.1 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
FEMA hasn't published a residential structure count for Steuben 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, 1.1% of all residential structures in Steuben County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Steuben County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Steuben County ranks 412 — 1 being the highest hazard nationally — and 660 by population among all 3144 counties covered here, where 1 is the largest. Steuben County, New York is home to about 92,015 people across 1,390.51 square miles of land.
What to do next if you own or are buying in Steuben County
Across all of Steuben County's 43,799 residential structures, 472 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Steuben County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Steuben 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.