How much flood risk does Monroe County actually carry?
Monroe County lands at the 78.4th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — 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 1 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Monroe County's flood-insurance compliance gap
13.3% 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: 74 policies against 557 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, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Monroe County compares nationally
Monroe County sits at rank 709 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1064 of 3144 by population (1 is biggest). About 46,370 people live in Monroe County, Wisconsin, spread over 900.904 square miles.
Checking a specific address in Monroe County
Across all of Monroe County's 15,783 residential structures, 90 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.