Stutsman County, ND flood risk explained
Flood hazard in Stutsman County sits at the 26.9th national percentile, among the lowest flood hazard in the country; 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Stutsman County's flood-insurance compliance gap
Out of 55 homes FEMA counts inside Stutsman County's mapped flood zone, 33 carry the flood policy federal law requires there — 60% compliance, short of full coverage. Looking beyond the mandated zone, 0.8% of all residential structures in Stutsman County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Stutsman County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Stutsman County ranks 2346 — 1 being the highest hazard nationally — and 1741 by population among all 3144 counties covered here, where 1 is the largest. Stutsman County, North Dakota is home to about 21,546 people across 2,221.904 square miles of land.
Checking a specific address in Stutsman County
FEMA counts 7,900 residential structures in Stutsman County overall, 66 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Stutsman 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.