Is Clinton County, IL in a flood zone?
FEMA's National Risk Index puts Clinton County's flood hazard at the 64th 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 once every 1 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Clinton County's flood-insurance compliance gap
Out of 988 homes FEMA counts inside Clinton County's mapped flood zone, 24 carry the flood policy federal law requires there — 2.4% compliance, short of full coverage. Across all residential structures in Clinton County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Clinton County against the rest of the country
Clinton County sits at rank 1181 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1258 of 3144 by population (1 is biggest). About 37,087 people live in Clinton County, Illinois, spread over 473.941 square miles.
Checking a specific address in Clinton County
FEMA counts 18,523 residential structures in Clinton County overall, 39 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 Clinton 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.