Macon County, IL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Macon County scores at the 83.3th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.4 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Out of 347 homes FEMA counts inside Macon County's mapped flood zone, 66 carry the flood policy federal law requires there — 19% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in Macon County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Macon County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Macon County ranks 550 — 1 being the highest hazard nationally — and 619 by population among all 3144 counties covered here, where 1 is the largest. Macon County, Illinois is home to about 100,737 people across 580.548 square miles of land.
Checking a specific address in Macon County
87 of Macon County's 42,339 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Macon County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.