Adams County, IL flood risk explained
Flood hazard in Adams County sits at the 60.7th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Adams County's flood-insurance compliance gap
Out of 243 homes FEMA counts inside Adams County's mapped flood zone, 56 carry the flood policy federal law requires there — 23.1% compliance, short of full coverage. Looking beyond the mandated zone, 0.3% of all residential structures in Adams County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Adams County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Adams County ranks 1292 — 1 being the highest hazard nationally — and 852 by population among all 3144 counties covered here, where 1 is the largest. About 64,109 people live in Adams County, Illinois, spread over 855.15 square miles.
Your street may differ from Adams County's average
Across all of Adams County's 23,678 residential structures, 74 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Adams 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.