How much flood risk does Decatur County actually carry?
Decatur County lands at the 77th percentile of FEMA's National Risk Index for flooding, "Relatively Moderate" territory — a middling flood hazard by national standards — with the 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. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Decatur County's flood-insurance compliance gap
25.6% of the homes FEMA requires to carry flood insurance in Decatur County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 162 policies against 634 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Decatur County, not just the ones FEMA mandates, 1.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Decatur County against the rest of the country
Decatur County sits at rank 757 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1456 of 3144 by population (1 is biggest). Decatur County, Georgia covers 597.239 square miles and counts roughly 29,391 residents.
Your street may differ from Decatur County's average
FEMA counts 12,866 residential structures in Decatur County overall, 197 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Decatur County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.