How much flood risk does Jo Daviess County actually carry?
Jo Daviess County lands at the 58.5th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.5 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Jo Daviess County
Out of 125 homes FEMA counts inside Jo Daviess County's mapped flood zone, 22 carry the flood policy federal law requires there — 17.6% compliance, short of full coverage. Across all residential structures in Jo Daviess County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Jo Daviess County ranks
Jo Daviess County sits at rank 1365 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1742 of 3144 by population (1 is biggest). About 21,528 people live in Jo Daviess County, Illinois, spread over 600.924 square miles.
Your street may differ from Jo Daviess County's average
Across all of Jo Daviess County's 16,886 residential structures, 46 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 Jo Daviess 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.