What good is a zombie horde without a bunch of hapless victims? I asked the same question, and my answer was "not much good at all." Therefore, I broke open the piggy bank and sent some cash to Reaper Miniatures. They sent back some blisters full of modern figures suitable for zombie gaming.
Here's the batch, representing "citizens", criminals, and police. These are all Reaper Chronoscope line models. Click for a larger view.
I'll work down the rows to explain what I've got. First row is a single blister of Townsfolk: Ladies of the Night. Reaper has several of these townsfolk blisters, which are a good value for the price. These girls will fit with an urban area, and can be used in other modern scenarios other than zombies. I guess if I ever find a good prostitution game these figures will be handy.
Lastly we have some law enforcement. With all these prostitutes and bikers running around, you need some police. One officer is a Bones model, which you can tell from the non-matching base. The other is a Chronoscope sheriff. The girl is actually a "Sci-fi Heroine" but I figure she can be a professional zombie hunter. Seems to fit.