Carroll County, GA flood risk explained
Flood hazard in Carroll County sits at the 70.8th 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 1 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 Carroll County
Homes with a federally backed mortgage inside Carroll 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, 18.1% of them do — 77 active policies against 425 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.3% of all residential structures in Carroll County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Carroll County ranks
Among the 3144 US counties FEMA scores for flood hazard, Carroll County ranks 955 — 1 being the highest hazard nationally — and 510 by population among all 3144 counties covered here, where 1 is the largest. Carroll County, Georgia covers 499.116 square miles and counts roughly 129,911 residents.
Your street may differ from Carroll County's average
138 of Carroll County's 42,849 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Carroll 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.