Piatt County, IL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Piatt County scores at the 43.7th 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 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.
Who actually carries the flood insurance FEMA requires
20.8% of the homes FEMA requires to carry flood insurance in Piatt County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 20 policies against 96 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.4% of all residential structures in Piatt County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Piatt County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Piatt County ranks 1831 — 1 being the highest hazard nationally — and 1997 by population among all 3144 counties covered here, where 1 is the largest. Piatt County, Illinois is home to about 16,628 people across 439.188 square miles of land.
Checking a specific address in Piatt County
Across all of Piatt County's 6,832 residential structures, 26 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Piatt 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.