Augusta County, VA flood risk explained
Flood hazard in Augusta County sits at the 80.2th national percentile, a middling flood hazard by national standards; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Augusta County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 12.8% of them do — 128 active policies against 1,000 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.5% of all residential structures in Augusta County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Augusta County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Augusta County ranks 650 — 1 being the highest hazard nationally — and 734 by population among all 3144 counties covered here, where 1 is the largest. Augusta County, Virginia covers 967.074 square miles and counts roughly 78,622 residents.
Your street may differ from Augusta County's average
FEMA counts 38,957 residential structures in Augusta County overall, 191 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Augusta County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.