Winona County, MN: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Winona County scores at the 78.8th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. 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 2.5 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Winona County's flood-insurance compliance gap
FEMA hasn't published a residential structure count for Winona 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, 0.5% of all residential structures in Winona County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Winona County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Winona County ranks 698 — 1 being the highest hazard nationally — and 1012 by population among all 3144 counties covered here, where 1 is the largest. About 49,973 people live in Winona County, Minnesota, spread over 626.191 square miles.
What to do next if you own or are buying in Winona County
Across all of Winona County's 21,162 residential structures, 113 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Winona County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Winona 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.