Clay County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Clay County scores at the 9.1th 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 28 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 6 homes FEMA counts inside Clay County's mapped flood zone, 0 carry the flood policy federal law requires there — 0% compliance, short of full coverage. Looking beyond the mandated zone, 0.1% of all residential structures in Clay County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Clay County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Clay County ranks 2874 — 1 being the highest hazard nationally — and 2970 by population among all 3144 counties covered here, where 1 is the largest. About 2,815 people live in Clay County, Georgia, spread over 195.404 square miles.
What to do next if you own or are buying in Clay County
2 of Clay County's 2,042 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Clay 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.