How much flood risk does Moultrie County actually carry?
Moultrie County lands at the 49.1th percentile of FEMA's National Risk Index for flooding, "Relatively Low" territory — below the national norm for flood hazard — 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Moultrie County's flood-insurance compliance gap
Out of 155 homes FEMA counts inside Moultrie County's mapped flood zone, 32 carry the flood policy federal law requires there — 20.7% compliance, short of full coverage. Across all residential structures in Moultrie 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.
Where Moultrie County ranks
Moultrie County sits at rank 1662 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2131 of 3144 by population (1 is biggest). About 14,365 people live in Moultrie County, Illinois, spread over 335.958 square miles.
Your street may differ from Moultrie County's average
FEMA counts 6,158 residential structures in Moultrie County overall, 35 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 Moultrie 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.