Updated May 2026
Flood Risk in Monroe, FL
Monroe, FL has a Flood Risk Score of 21/100 (Grade B), ranking #137 of 3,277 counties nationwide. The risk level is Moderate. There have been 1.5K NFIP flood-insurance claims totaling $58,216,218 in payouts, with 27 federal disaster declarations on record.
Key Data
What the Grade Means Here
Monroe carries a B grade — modest but non-trivial flood risk. With a composite score of 21 and 1.5K NFIP claims on file, the county sits in the second-safest tier of the U.S. distribution (rank #137 of 3,277). Most insured loss here clusters in localized low-elevation neighborhoods or river-adjacent corridors rather than across the whole county.
Within Florida, Monroe carries flood risk roughly typical of the state, where the average composite score is 23. The county ranks #29 of 68 state-internally. The full Florida state profile shows how every county within the state compares.
What's Driving the Risk Score?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 57). For Monroe, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
The trend factor is low (3 of 100), suggesting flood-loss volume has been stable or declining over the dataset window. This is a positive signal — the historical average remains the best estimate of forward risk.
Score Breakdown
| Factor | Score | Weight |
|---|---|---|
| Claims Density | 13 | 40% |
| Disaster Frequency | 57 | 25% |
| Claim Severity | 6 | 20% |
| Year-over-Year Trend | 3 | 15% |
How This Score Is Calculated
The composite is a weighted average of four FEMA-derived factors. Source data comes from the public FEMA flood-mapping program via the OpenFEMA API. For property-level decisions, layer this with the parcel's FEMA Flood Insurance Rate Map zone and recent crest readings from USGS Water Data. Full math: methodology page.
Frequently Asked Questions
What is the flood risk in Monroe, FL?
Monroe, FL has a Flood Risk Score of 21/100 (Grade B), ranking #137 of 3,277 counties nationwide. The risk level is Moderate. There have been 1.5K NFIP flood-insurance claims totaling $58,216,218 in payouts, with 27 federal disaster declarations on record.
Is flood insurance required in Monroe?
Federal law requires flood insurance for any property in a Special Flood Hazard Area (FEMA Zone A or V) financed by a federally regulated lender. Monroe's county-wide composite score is 21 (Grade B), which is a county aggregate — your specific parcel's flood-zone designation comes from the FEMA Flood Insurance Rate Map (FIRM) at fema.gov/flood-maps. Even when not legally required, NFIP coverage is often available for a few hundred dollars a year in moderate- and low-risk zones, and FEMA reports more than 25% of all NFIP claims come from outside high-risk zones.
What is driving the flood risk score in Monroe?
The single biggest driver of the composite score in this county is federal disaster frequency (25% of the formula, factor score 57). For Monroe, that means the cadence of federally declared flood-related disasters dominates — large enough events to exceed state and local response capacity have repeated multiple times.
Is flood risk increasing or decreasing in Monroe?
The trend factor is low (3 of 100), suggesting flood-loss volume has been stable or declining over the dataset window. This is a positive signal — the historical average remains the best estimate of forward risk.
How does Monroe compare to other counties in Florida?
Within Florida, Monroe carries flood risk roughly typical of the state, where the average composite score is 23. The county ranks #29 of 68 state-internally.
Where does this data come from?
Every figure on this page comes from FEMA's public OpenFEMA API — the DisasterDeclarationsSummaries v2 endpoint (federally declared flood-related disasters) and the FimaNfipClaims endpoint (individual NFIP flood-insurance claims aggregated by county FIPS code). Both are public-domain U.S. government work. Real-time stream-gauge readings that complement these federal aggregates live at USGS Water Data. Last updated 2026-05-16.
Monroe, FL has a Flood Risk Score of 21/100 (Grade B), ranking #137 of 3,277 counties nationwide. The risk level is Moderate. There have been 1.5K NFIP flood-insurance claims totaling $58,216,218 in payouts, with 27 federal disaster declarations on record.
The data source behind this answer is FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims. Every figure on the page traces back to that source; the methodology page describes the inputs and the refresh cadence in full detail.
For readers turning this answer into action: cross-reference against the underlying FEMA OpenFEMA datasets including the National Flood Hazard Layer and NFIP claims record before acting on time-sensitive decisions. The site renders the data as it was published; subsequent revisions can shift the picture, and the live federal data is always the authoritative current reference.