How much flood risk does Amelia County actually carry?
Amelia County lands at the 11.4th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Amelia County
Out of 32 homes FEMA counts inside Amelia County's mapped flood zone, 2 carry the flood policy federal law requires there — 6.3% compliance, short of full coverage. Across all residential structures in Amelia County, not just the ones FEMA mandates, 0.1% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Amelia County against the rest of the country
Amelia County sits at rank 2806 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2176 of 3144 by population (1 is biggest). Amelia County, Virginia is home to about 13,716 people across 355.36 square miles of land.
What to do next if you own or are buying in Amelia County
FEMA counts 4,930 residential structures in Amelia County overall, 5 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Amelia County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.