How much flood risk does Lawrence County actually carry?
Lawrence County lands at the 58.2th 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 1.3 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 606 homes FEMA counts inside Lawrence County's mapped flood zone, 11 carry the flood policy federal law requires there — 1.8% compliance, short of full coverage. Across all residential structures in Lawrence 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.
Lawrence County against the rest of the country
Lawrence County sits at rank 1374 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2101 of 3144 by population (1 is biggest). Lawrence County, Illinois is home to about 14,801 people across 372.179 square miles of land.
Checking a specific address in Lawrence County
FEMA counts 5,951 residential structures in Lawrence County overall, 12 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 Lawrence 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.