Is Monroe County, FL in a flood zone?
FEMA's National Risk Index puts Monroe County's flood hazard at the 98.8th percentile nationally — among the highest flood hazard in the country — driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 2.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Monroe County's flood-insurance compliance gap
Out of 34,033 homes FEMA counts inside Monroe County's mapped flood zone, 20,855 carry the flood policy federal law requires there — 61.3% compliance, short of full coverage. Across all residential structures in Monroe County, not just the ones FEMA mandates, 58.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Monroe County against the rest of the country
Monroe County sits at rank 45 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 720 of 3144 by population (1 is biggest). About 80,908 people live in Monroe County, Florida, spread over 983.043 square miles.
Your street may differ from Monroe County's average
FEMA counts 38,080 residential structures in Monroe County overall, 22,181 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 Monroe County's numbers. Because storm surge plays a real role here, the guide to coastal vs. inland flood hazard is worth reading alongside this page.