Wayne County, NY: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Wayne County scores at the 72.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 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.
Who actually carries the flood insurance FEMA requires
FEMA hasn't published a residential structure count for Wayne County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 0.4% of all residential structures in Wayne County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Wayne County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Wayne County ranks 910 — 1 being the highest hazard nationally — and 667 by population among all 3144 counties covered here, where 1 is the largest. About 90,757 people live in Wayne County, New York, spread over 603.83 square miles.
What to do next if you own or are buying in Wayne County
FEMA counts 34,127 residential structures in Wayne County overall, 146 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Wayne County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Wayne County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.