How much flood risk does Union County actually carry?
Union County lands at the 37.5th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Union County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Union County, not just the ones FEMA mandates, 1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Union County ranks
Union County sits at rank 2030 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1579 of 3144 by population (1 is biggest). Union County, Oregon covers 2,036.941 square miles and counts roughly 26,058 residents.
What to do next if you own or are buying in Union County
FEMA counts 8,023 residential structures in Union County overall, 80 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. See the data quality guide for why Union County, like hundreds of other counties, doesn't get a clean compliance percentage.