How much flood risk does Monroe County actually carry?
Monroe County lands at the 32th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. 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
26.5% of the homes FEMA requires to carry flood insurance in Monroe County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 40 policies against 151 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Monroe County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Monroe County ranks
Monroe County sits at rank 2196 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1402 of 3144 by population (1 is biggest). Monroe County, Georgia is home to about 31,437 people across 396.092 square miles of land.
What to do next if you own or are buying in Monroe County
62 of Monroe County's 11,107 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Monroe 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.