Union County, FL flood risk explained
Flood hazard in Union County sits at the 11.1th 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 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Union County's flood-insurance compliance gap
29% 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: 45 policies against 155 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1.4% of all residential structures in Union County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Union County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Union County ranks 2814 — 1 being the highest hazard nationally — and 2053 by population among all 3144 counties covered here, where 1 is the largest. Union County, Florida is home to about 15,738 people across 243.89 square miles of land.
Your street may differ from Union County's average
Across all of Union County's 4,602 residential structures, 65 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Union 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.