Is Monroe County, IA in a flood zone?
FEMA's National Risk Index puts Monroe County's flood hazard at the 9.1th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.6 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
0% 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: 0 policies against 30 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% 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 2873 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2629 of 3144 by population (1 is biggest). Monroe County, Iowa covers 433.708 square miles and counts roughly 7,373 residents.
What to do next if you own or are buying in Monroe County
Across all of Monroe County's 4,266 residential structures, 0 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
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.