Is Carroll County, IL in a flood zone?
FEMA's National Risk Index puts Carroll County's flood hazard at the 46.5th percentile nationally — 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 1.4 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Carroll County's flood-insurance compliance gap
6.3% of the homes FEMA requires to carry flood insurance in Carroll County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 9 policies against 144 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Carroll County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Carroll County against the rest of the country
Carroll County sits at rank 1743 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2067 of 3144 by population (1 is biggest). Carroll County, Illinois covers 445.406 square miles and counts roughly 15,444 residents.
Your street may differ from Carroll County's average
FEMA counts 10,752 residential structures in Carroll County overall, 15 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Carroll 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.