Bacon County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Bacon County scores at the 15.4th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. The hazard here is 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. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Bacon County
Homes with a federally backed mortgage inside Bacon 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, 16.1% of them do — 5 active policies against 31 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.1% of all residential structures in Bacon County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Bacon County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Bacon County ranks 2690 — 1 being the highest hazard nationally — and 2341 by population among all 3144 counties covered here, where 1 is the largest. Bacon County, Georgia covers 284.085 square miles and counts roughly 11,045 residents.
What to do next if you own or are buying in Bacon County
FEMA counts 5,182 residential structures in Bacon County overall, 7 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Bacon 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.