Is Montgomery County, IL in a flood zone?
FEMA's National Risk Index puts Montgomery County's flood hazard at the 58.7th percentile nationally — 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 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.
Montgomery County's flood-insurance compliance gap
Montgomery County is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Montgomery County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Montgomery County against the rest of the country
Montgomery County sits at rank 1357 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1518 of 3144 by population (1 is biggest). About 27,615 people live in Montgomery County, Illinois, spread over 703.766 square miles.
Your street may differ from Montgomery County's average
FEMA counts 13,665 residential structures in Montgomery County overall, 3 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Montgomery County's numbers. See the data quality guide for why Montgomery County, like hundreds of other counties, doesn't get a clean compliance percentage.