Is Clark County, IL in a flood zone?
FEMA's National Risk Index puts Clark County's flood hazard at the 31th percentile nationally — among the lowest flood hazard in the country — 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.
Clark County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Clark County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 6% of them do — 5 active policies against 84 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Clark 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.
Clark County against the rest of the country
Clark County sits at rank 2226 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2091 of 3144 by population (1 is biggest). Clark County, Illinois covers 501.39 square miles and counts roughly 15,076 residents.
Checking a specific address in Clark County
6 of Clark County's 7,444 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 Clark 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.