Is Stokes County, NC in a flood zone?
FEMA's National Risk Index puts Stokes County's flood hazard at the 58th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. 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
Homes with a federally backed mortgage inside Stokes County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 14.3% of them do — 6 active policies against 42 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Stokes County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Stokes County against the rest of the country
Stokes County sits at rank 1381 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1074 of 3144 by population (1 is biggest). Stokes County, North Carolina covers 449.323 square miles and counts roughly 45,857 residents.
Checking a specific address in Stokes County
24 of Stokes County's 21,240 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Stokes County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.