Is Livingston County, IL in a flood zone?
FEMA's National Risk Index puts Livingston County's flood hazard at the 81.1th percentile nationally — a middling flood hazard by national standards — 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Livingston County
14.4% of the homes FEMA requires to carry flood insurance in Livingston County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 146 policies against 1,016 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Livingston County, not just the ones FEMA mandates, 1.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Livingston County against the rest of the country
Livingston County sits at rank 621 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1308 of 3144 by population (1 is biggest). About 35,375 people live in Livingston County, Illinois, spread over 1,043.628 square miles.
Checking a specific address in Livingston County
FEMA counts 13,443 residential structures in Livingston County overall, 157 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 Livingston 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.