How much flood risk does Monroe County actually carry?
Monroe County lands at the 34th 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 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Monroe County
8.1% 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: 5 policies against 62 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, 0.1% 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 2135 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2331 of 3144 by population (1 is biggest). About 11,163 people live in Monroe County, Kentucky, spread over 329.475 square miles.
Checking a specific address in Monroe County
6 of Monroe County's 5,444 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.