Monroe County, IL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Monroe County scores at the 32.3th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 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
FEMA hasn't published a residential structure count for Monroe County's mapped flood zone, so a reliable mandatory-compliance percentage can't be computed here — see the data quality guide for why this gap exists for roughly a quarter of US counties. Looking beyond the mandated zone, 1% of all residential structures in Monroe County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Monroe County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Monroe County ranks 2188 — 1 being the highest hazard nationally — and 1313 by population among all 3144 counties covered here, where 1 is the largest. About 34,969 people live in Monroe County, Illinois, spread over 385.301 square miles.
What to do next if you own or are buying in Monroe County
FEMA counts 14,156 residential structures in Monroe County overall, 135 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Monroe County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. Monroe County's compliance figure is one of the ones affected by FEMA's incomplete denominator data — the data quality guide explains what that means and how many counties it touches.