McLean County, IL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, McLean County scores at the 85.2th 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 1.3 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.
Who actually carries the flood insurance FEMA requires
Out of 320 homes FEMA counts inside McLean County's mapped flood zone, 43 carry the flood policy federal law requires there — 13.4% compliance, short of full coverage. Looking beyond the mandated zone, 0.2% of all residential structures in McLean County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
McLean County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, McLean County ranks 486 — 1 being the highest hazard nationally — and 406 by population among all 3144 counties covered here, where 1 is the largest. McLean County, Illinois covers 1,183.248 square miles and counts roughly 172,069 residents.
Checking a specific address in McLean County
Across all of McLean County's 53,811 residential structures, 112 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where McLean 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.