Woodford County, IL: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Woodford County scores at the 51.5th 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 1.3 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Woodford County's flood-insurance compliance gap
Out of 439 homes FEMA counts inside Woodford County's mapped flood zone, 93 carry the flood policy federal law requires there — 21.2% compliance, short of full coverage. Looking beyond the mandated zone, 0.6% of all residential structures in Woodford County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Woodford County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Woodford County ranks 1592 — 1 being the highest hazard nationally — and 1228 by population among all 3144 counties covered here, where 1 is the largest. About 38,290 people live in Woodford County, Illinois, spread over 527.557 square miles.
Your street may differ from Woodford County's average
103 of Woodford County's 16,521 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Woodford 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.