Yamhill County, OR: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Yamhill County scores at the 74.1th 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 once every 5 years. 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
20.1% of the homes FEMA requires to carry flood insurance in Yamhill County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 303 policies against 1,507 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1% of all residential structures in Yamhill County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Yamhill County ranks
Among the 3144 US counties FEMA scores for flood hazard, Yamhill County ranks 850 — 1 being the highest hazard nationally — and 575 by population among all 3144 counties covered here, where 1 is the largest. Yamhill County, Oregon covers 715.938 square miles and counts roughly 110,886 residents.
Your street may differ from Yamhill County's average
FEMA counts 37,051 residential structures in Yamhill County overall, 355 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Yamhill 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.