Perry County, IL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Perry County scores at the 49.8th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is 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.
Perry County's flood-insurance compliance gap
6.1% of the homes FEMA requires to carry flood insurance in Perry County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 9 policies against 148 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Perry County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Perry County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Perry County ranks 1638 — 1 being the highest hazard nationally — and 1811 by population among all 3144 counties covered here, where 1 is the largest. About 20,272 people live in Perry County, Illinois, spread over 441.928 square miles.
What to do next if you own or are buying in Perry County
Across all of Perry County's 7,249 residential structures, 10 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Perry 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.