How much flood risk does Ogle County actually carry?
Ogle County lands at the 77th 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 1.2 times a year. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Ogle County's flood-insurance compliance gap
Out of 454 homes FEMA counts inside Ogle County's mapped flood zone, 117 carry the flood policy federal law requires there — 25.8% compliance, short of full coverage. Across all residential structures in Ogle County, not just the ones FEMA mandates, 0.8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Ogle County ranks
Ogle County sits at rank 756 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 990 of 3144 by population (1 is biggest). About 51,345 people live in Ogle County, Illinois, spread over 758.654 square miles.
Your street may differ from Ogle County's average
140 of Ogle County's 18,740 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 Ogle 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.