Baldwin County, GA flood risk explained
Flood hazard in Baldwin County sits at the 63.2th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Baldwin County
6.6% of the homes FEMA requires to carry flood insurance in Baldwin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 13 policies against 197 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.2% of all residential structures in Baldwin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Baldwin County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Baldwin County ranks 1208 — 1 being the highest hazard nationally — and 1123 by population among all 3144 counties covered here, where 1 is the largest. About 43,644 people live in Baldwin County, Georgia, spread over 258.699 square miles.
What to do next if you own or are buying in Baldwin County
Across all of Baldwin County's 17,556 residential structures, 30 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Baldwin 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.