How much flood risk does Cumberland County actually carry?
Cumberland County lands at the 33.5th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Cumberland County's flood-insurance compliance gap
2.8% of the homes FEMA requires to carry flood insurance in Cumberland County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 1 policies against 36 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Cumberland County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Cumberland County compares nationally
Cumberland County sits at rank 2151 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2386 of 3144 by population (1 is biggest). Cumberland County, Illinois covers 345.946 square miles and counts roughly 10,305 residents.
Checking a specific address in Cumberland County
Across all of Cumberland County's 4,864 residential structures, 2 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Cumberland 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.