Is Effingham County, IL in a flood zone?
FEMA's National Risk Index puts Effingham County's flood hazard at the 49.2th 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 2 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Effingham County
Effingham County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Effingham 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.
Effingham County against the rest of the country
Effingham County sits at rank 1657 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1320 of 3144 by population (1 is biggest). About 34,602 people live in Effingham County, Illinois, spread over 478.767 square miles.
What to do next if you own or are buying in Effingham County
11 of Effingham County's 14,386 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 Effingham County's numbers. See the data quality guide for why Effingham County, like hundreds of other counties, doesn't get a clean compliance percentage.