Is Todd County, MN in a flood zone?
FEMA's National Risk Index puts Todd County's flood hazard at the 56.2th 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 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Todd County's flood-insurance compliance gap
7.5% of the homes FEMA requires to carry flood insurance in Todd County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 32 policies against 425 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Todd County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Todd County compares nationally
Todd County sits at rank 1440 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1586 of 3144 by population (1 is biggest). Todd County, Minnesota covers 945.098 square miles and counts roughly 25,955 residents.
What to do next if you own or are buying in Todd County
FEMA counts 12,382 residential structures in Todd County overall, 33 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Todd 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.