How much flood risk does Winnebago County actually carry?
Winnebago County lands at the 25.6th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.2 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Winnebago County
0% of the homes FEMA requires to carry flood insurance in Winnebago County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 0 policies against 14 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Winnebago County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Winnebago County ranks
Winnebago County sits at rank 2384 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2384 of 3144 by population (1 is biggest). Winnebago County, Iowa is home to about 10,383 people across 400.489 square miles of land.
What to do next if you own or are buying in Winnebago County
1 of Winnebago County's 4,970 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Winnebago 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.