Monroe County, OH flood risk explained
Flood hazard in Monroe County sits at the 50.9th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.9 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
7.8% 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: 20 policies against 255 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.3% 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.
Where Monroe County ranks
Among the 3144 US counties FEMA scores for flood hazard, Monroe County ranks 1610 — 1 being the highest hazard nationally — and 2216 by population among all 3144 counties covered here, where 1 is the largest. Monroe County, Ohio is home to about 13,051 people across 455.581 square miles of land.
Checking a specific address in Monroe County
23 of Monroe County's 8,177 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Monroe County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.