Risk-assessment baseline packet. County FIPS 26115. Release 2026-10, data as of 2026-09-30.
Summary
Plan status as of 2026-09-30: Expired on 2022-07-13. Plan: Monroe County (FEMA plan 101035), approved 2017-07-14.
Since the plan was approved on 2017-07-14: 1 new hazard declaration (1 incident) and 146 NOAA Storm Events records; details under "What changed since your last plan".
Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($34,036,676 a year), Tornado ($7,571,928) and Cold Wave ($5,304,598).
The packet's tables are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); the summaries below follow the same order.
What the packet contains
Sections in FEMA checklist order; each heading names the review item its tables support. Full tables are in the downloads above.
Supports FEMA checklist item B1-a Hazard identification
16 of the 18 National Risk Index hazards apply here.
Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche and volcanic activity. That is the evidence for leaving them out of the plan.
Highest expected annual loss (NRI, modeled): Inland Flooding, Tornado and Cold Wave.
Not covered by NRI (local data needed): dam failure (incl. upstream dams); levee failure; flash flood as its own subtype; ice jams; debris flows; erosion (riverine and coastal); land subsidence and sinkholes; expansive soils.
The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.
Supports FEMA checklist item B1-b Hazard location
- Coastal Flooding and Inland Flooding: the FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.
- Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather: affects the whole county; national data give no location within it.
- Earthquake, Hurricane, Landslide, Tornado, Tsunami and Wildfire vary within the county; the packet lists the highest-rated census tracts for each.
Supports FEMA checklist item B1-c Hazard extent
Storm Events records for 12 of the 20 NOAA event-type groups mapped to the 18 hazards, with the scale, observed range and worst recorded event for each; the others say which local data are needed.
Worst recorded tornado, hail and thunderstorm wind (the three event types on record since the 1950s; the packet has every group):
- Hail: 4 in hail, 1991-03-27
- Thunderstorm Wind: 83 kt (96 mph) estimated gust, Thunderstorm Wind, 2004-05-21
- Tornado: F4 tornado, 1965-04-11, 200 yd wide, $2,500,000 property; crops not recorded (1965 dollars), 2 direct deaths, 29 direct injuries
Supports FEMA checklist item B1-d Previous occurrences
Federal declarations for this area: 11 declarations covering 7 separate hazard incidents counted in this packet; each with type, dates and county Public Assistance dollars.
New since the last plan (approved 2017-07-14): DR-4757-MI, DR-4494-MI and EM-3455-MI.
3 statewide declarations listed separately.
Hazards with no Storm Events record and no federal declaration are stated as such (8 of 18).
Storm Events history: 640 records (notable ones in the PDF, all of them in the Excel file).
Supports FEMA checklist item B1-e Probability of future events
FEMA annualized frequency (modeled) for each hazard, with a descriptor from a scale defined in the packet.
- Highly likely: Hail, Lightning and Strong Wind
- Likely: Cold Wave, Heat Wave, Ice Storm, Inland Flooding, Tornado and Winter Weather
- Possible: Coastal Flooding, Drought and Landslide
- Unlikely: Earthquake, Hurricane and Wildfire
Historical frequency by intensity band (tornado, hail, wind): 9 bands from Storm Events.
Supports FEMA checklist item B1-f Hazards that vary across jurisdictions
Range of census tract risk scores within the area for 16 of the 18 hazards (40 tracts; rated tracts only).
25 jurisdictions: plan clock, repeat-flood count, Public Assistance dollars and event records naming the place (starting figures from federal data).
The jurisdiction rows include $13,298.51 that FEMA's Public Assistance summaries file with no county; the county totals in B1-d leave it out (see each row's note).
Supports FEMA checklist items B2-a and B2-b Vulnerability and potential impacts
The packet's table gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.
Storm Events damage since 2017-07-14: $7,072,500 in county-coded records (108 records); $11,250,000 reported for the zone (38 zone records). Data through 2026-06-30; nominal dollars.
Local data needed
To gather:
- Critical facilities and lifelines per hazard
- A problem statement per jurisdiction per hazard
- Changes in development in hazard-prone areas since the last approval, or a statement of none (E1-a)
- Future assets
Supports FEMA checklist item B2-a Vulnerability (county context)
Population 154,767; building value $37,825,741,812 and agriculture value $224,660,836 (total, not at risk).
National Risk Index rating Relatively Moderate; social vulnerability Relatively Low; community resilience Very High.
Supports FEMA checklist item B2-c Repetitive loss properties
Repetitive-loss properties, FMA definition (44 CFR 77.2): 5 repetitive loss, 11 severe repetitive loss. NFIP insurance definition: 114 and 11.
Mitigated 0; insured 29; NFIP data as of 2026-08-02. Counts by occupancy group and for each jurisdiction are in the packet.