Baker County, GA flood risk explained
Flood hazard in Baker County sits at the 13.1th national percentile, among the lowest flood hazard in the country; 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Baker County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Baker 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, 8% of them do — 9 active policies against 113 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 1.2% of all residential structures in Baker County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Baker County ranks
Among the 3144 US counties FEMA scores for flood hazard, Baker County ranks 2760 — 1 being the highest hazard nationally — and 2981 by population among all 3144 counties covered here, where 1 is the largest. About 2,732 people live in Baker County, Georgia, spread over 341.957 square miles.
Your street may differ from Baker County's average
Across all of Baker County's 1,132 residential structures, 13 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Baker 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.