Webster County, NE: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Webster County scores at the 18.6th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 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
3% of the homes FEMA requires to carry flood insurance in Webster County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 2 policies against 66 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Webster County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Webster County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Webster County ranks 2599 — 1 being the highest hazard nationally — and 2933 by population among all 3144 counties covered here, where 1 is the largest. About 3,326 people live in Webster County, Nebraska, spread over 574.913 square miles.
What to do next if you own or are buying in Webster County
6 of Webster County's 2,803 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Webster 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.