Is Union County, AR in a flood zone?
FEMA's National Risk Index puts Union County's flood hazard at the 51.2th 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 1.3 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.
Mandatory flood insurance compliance in Union County
9.3% of the homes FEMA requires to carry flood insurance in Union County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 57 policies against 615 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Union County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Union County against the rest of the country
Union County sits at rank 1599 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1262 of 3144 by population (1 is biggest). Union County, Arkansas is home to about 37,008 people across 1,039.067 square miles of land.
What to do next if you own or are buying in Union County
FEMA counts 14,245 residential structures in Union County overall, 72 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 Union 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.