Is Valley County, NE in a flood zone?
FEMA's National Risk Index puts Valley County's flood hazard at the 12.1th percentile nationally — 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
2.8% of the homes FEMA requires to carry flood insurance in Valley County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 2 policies against 72 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. 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.
Where Valley County ranks
Valley County sits at rank 2787 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2881 of 3144 by population (1 is biggest). About 4,032 people live in Valley County, Nebraska, spread over 568.09 square miles.
Your street may differ from Valley County's average
Across all of Valley County's 3,272 residential structures, 5 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
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.