Trinity County, CA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Trinity County scores at the 79th 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 once every 5 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Trinity County
14.9% of the homes FEMA requires to carry flood insurance in Trinity County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 40 policies against 269 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.7% of all residential structures in Trinity County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Trinity County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Trinity County ranks 691 — 1 being the highest hazard nationally — and 2058 by population among all 3144 counties covered here, where 1 is the largest. Trinity County, California covers 3,179.268 square miles and counts roughly 15,642 residents.
Checking a specific address in Trinity County
Across all of Trinity County's 7,647 residential structures, 55 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Trinity 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.