Is Valley County, ID in a flood zone?
FEMA's National Risk Index puts Valley County's flood hazard at the 55.8th 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. 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
Out of 327 homes FEMA counts inside Valley County's mapped flood zone, 7 carry the flood policy federal law requires there — 2.1% compliance, short of full coverage. Across all residential structures in Valley County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Valley County against the rest of the country
Valley County sits at rank 1454 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2235 of 3144 by population (1 is biggest). Valley County, Idaho is home to about 12,777 people across 3,665.12 square miles of land.
What to do next if you own or are buying in Valley County
FEMA counts 12,185 residential structures in Valley County overall, 19 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 Valley 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.