Photo: TCP04 · CC BY 4.0Storms, floods and disasters in Old Monroe
Old Monroe isn’t graded for hazard risk: Old Monroe has 236 residents; we grade towns of 1,000 or more. Flood insurance has paid 114 claims here since 1979.
What Old Monroe faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Old Monroe flood? Yes: 114 flood claims since 1979
Every paid claim on a federal flood insurance policy in Old Monroe, from FEMA’s records.
- The Midwest Flooding16 claims · $210K
- The Early winter storms8 claims · $63K
Old Monroe isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Lincoln County.8 federal disasters brought FEMA money to Old Monroe
Disasters that paid out in Old Monroe itself (aid to households or repair grants to the City of Old Monroe), newest first, with that year’s flood claims.
- 2021Severe Storms, Straight-line Winds, Tornadoes, and Flooding$137K to the City of Old Monroe for repairs
- 2019Severe Storms, Tornadoes, and Flooding4 households applied for aid$127K to the City of Old Monroe for repairs10 flood claims paid that year
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding11 households applied for aid$42K aid approved$14K to the City of Old Monroe for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$27K to the City of Old Monroe for repairs
- 2013Severe Storms, Straight-line Winds, Tornadoes, and Flooding$15K to the City of Old Monroe for repairs2 flood claims paid that year
- 2008Severe Storms, Flooding, and a Tornado3 households applied for aid$9K aid approved
Show all 8
- 2008Severe Storms and Flooding21 households applied for aid$14K aid approved$39K to the City of Old Monroe for repairs
- 2007Severe Winter Storms and Flooding$1K to the City of Old Monroe for repairs
Lincoln County has had 24 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Old Monroe after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Old Monroe archive →Old Monroe and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Winfield | C−more damage than 80% | river and rain flooding | 144 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Old Monroe faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Old Monroe
Does Old Monroe flood?
Flood insurance has paid 114 claims in Old Monroe since 1979, $1.4M in all. 13 properties have flooded more than once. The most claims came from Midwest Flooding (16).
Is Old Monroe in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Lincoln County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Old Monroe?
FEMA’s Community Rating System list shows no discount for Old Monroe’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Old Monroe?
By FEMA money that reached Old Monroe, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2021): $137K to the City of Old Monroe for repairs. By flood claims, Midwest Flooding: 16 paid, $210K.
Storm stories
Memories, warnings and help from neighbors in Old Monroe.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Old Monroe’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.