Hunt & Live

Monroe County, IL

35,033 residents · 385 sq mi · 90.9/sq mi · 42% rural

Climate
56.6°F
43" rain/yr
Water
humid
Aridity index 1.56
Hardiness
Zone 8a
Winter low ~13.6°F

About Monroe County

Monroe County is a county located in the U.S. state of Illinois. According to the 2020 census, it had a population of 34,962. Its county seat and largest city is Waterloo. Monroe County is included in the St. Louis, MO-IL Metropolitan Statistical Area. It is located in the southern portion of Illinois known historically as "Little Egypt".

44
Prepper Suitability
worsebetter
National rank: #1921 of 3,109
Locator map
Location within the continental US

Prepper Assessment

Living in this area offers a mix of rural and suburban experiences, with a population density of 90.9 people per square mile and 42% of the land classified as rural. The climate is characterized by a humid environment, with an annual mean temperature of 56.6°F and 43 inches of rainfall per year. The growing season is suitable for a variety of crops, and USDA zone 8a indicates a good potential for gardening and self-sufficient living, although winter temperatures can drop to 23.6°F.

The county faces several notable natural hazards, including a heat wave risk ranked at 88 and earthquake risk at 84, which may pose challenges for long-term sustainability. The median home price of $254,100 may be a barrier for some, especially with an effective property tax rate of 1.77%. Despite a relatively low violence percentile of 5, indicating safety, the overall disaster percentile of 42 suggests that residents should be prepared for potential environmental challenges.

This area could be a good fit for individuals or families seeking a balance of rural living with access to urban amenities, particularly those who can manage the risks associated with heat and earthquakes. It may not be ideal for those who prefer complete isolation or are looking for a lower cost of living, as property prices and taxes are relatively high. The hidden gem here is the potential for agricultural endeavors, given the favorable growing conditions.

AI-generated analysis based on county data (climate, hazards, density, housing, economy). For general orientation only.

Key Facts

Ranked #842 nationally
Out of 3,109 CONUS counties for composite prepper suitability.
#46 of 102 in IL
Ranked #46 of 102 counties statewide for prepper suitability.
Dominant hazard: heat wave
FEMA ranks heat wave risk at 88/100 here — the leading natural threat.
Rural-suburban mix
90.9 people per square mile.
Climate profile
Classified as humid with a 56.6°F annual mean and 43.0" of annual precipitation. USDA hardiness zone 8a.
Housing & taxes
Median home value $254,100.

Score Breakdown

Violence
57
percentile (lower = safer)
Disasters
42
percentile (lower = safer)
Density
69
percentile (lower = emptier)
Overall FEMA Risk
41.9
NRI composite (0-100)

Natural Hazard Profile (FEMA NRI)

Cold Wave 49
Drought 41
Earthquake 85
Hail 60
Hurricane 17
Heat Wave 88
Riverine Flood 32
Ice Storm 17
Landslide 82
Lightning 40
Strong Wind 70
Tornado 58
Wildfire 2
Winter Weather 33

Monthly Climate (1991–2020 normals)

Average temperature
JFMAMJ JASOND
Monthly precipitation (inches)
JFMAMJ JASOND
Summer high
88.7°F
Winter low
23.6°F
Heating degree days
4,500
Cooling degree days
1,459

Housing & Economy

Median home value
$254,100
Median HH income
$100,685
Price to income
2.5×
Property tax rate
1.77%
~$4,494/yr median

Community Profile

Median age
42.5
Homeownership
84.1%
Poverty rate
4.3%
Unemployment
1.7%

Connectivity

Broadband households
75.7%
No internet access
7.3%

Explore Monroe County Further

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Data sources. Prepper scores are national percentile ranks of firearm fatalities (County Health Rankings 2024 / CDC WONDER), FEMA National Risk Index 2023 composite disaster score, and population density (ACS 2022 + TIGER 2022 land area). Climate from NOAA nClimDiv 1991–2020 normals. Hardiness zone is estimated from climate data and may differ from the official USDA PHZM. Demographics and housing from Census ACS 5-year 2022. All scores are for comparison purposes only and do not constitute advice about where to live.