How much flood risk does Monroe County actually carry?
Monroe County lands at the 24.1th 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 1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Monroe County's flood-insurance compliance gap
1.5% 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: 2 policies against 138 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 2427 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2501 of 3144 by population (1 is biggest). Monroe County, Missouri covers 647.64 square miles and counts roughly 8,890 residents.
What to do next if you own or are buying in Monroe County
3 of Monroe County's 6,064 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.