Property Atlas

County hazard profile

Monroe, IL

Illinois · pop. 34,896 · FIPS 17133

Very Low
FEMA risk rating · RATING
Heat Wave
dominant hazard
$23M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the lowest nationally

national median $15M/yr Monroe $23M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexVery Low 41.86/100
national median ~50 near the national middle (42nd percentile)
Social vulnerabilityVery Low 10.62/100
national median ~50 among the lowest nationally
Community resilienceVery High 94.94/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Monroe

The National Flood Insurance Program has paid 689 flood-insurance claims totaling $22.7M in Monroe since 1983. The costliest year was 1993 ($21.9M paid).

Flood-insurance dollars paid by year of loss

1983: $0 paid 1993: $21,948,034 paid 1994: $54,801 paid 1995: $0 paid 1997: $1,500 paid 1998: $2,500 paid 1999: $1,660 paid 2001: $1,944 paid 2002: $3,673 paid 2003: $729 paid 2004: $0 paid 2008: $3,728 paid 2009: $13,738 paid 2011: $0 paid 2013: $54,619 paid 2014: $0 paid 2015: $27,296 paid 2016: $181,561 paid 2019: $77,646 paid 2022: $28,330 paid 2024: $316,251 paid 1993 · $21.9M 1983 2024
$22.7M
total paid
$32,972
average claim
$400K
largest single claim
96%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Monroe, IL and where it ranks among U.S. counties. It is not a verdict on whether Monroe is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.