Stoddard County, MO: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Stoddard County scores at the 41.6th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 1.8 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.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Stoddard 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% of all residential structures in Stoddard County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Stoddard County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Stoddard County ranks 1898 — 1 being the highest hazard nationally — and 1490 by population among all 3144 counties covered here, where 1 is the largest. Stoddard County, Missouri covers 823.142 square miles and counts roughly 28,438 residents.
Your street may differ from Stoddard County's average
Across all of Stoddard County's 13,764 residential structures, 138 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Stoddard County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Stoddard 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.