How much flood risk does Floyd County actually carry?
Floyd County lands at the 82.4th 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 1.2 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Floyd County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Floyd 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, 15.2% of them do — 160 active policies against 1,051 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Floyd County, not just the ones FEMA mandates, 0.6% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Floyd County ranks
Floyd County sits at rank 577 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 614 of 3144 by population (1 is biggest). About 101,390 people live in Floyd County, Georgia, spread over 509.832 square miles.
Checking a specific address in Floyd County
Across all of Floyd County's 36,745 residential structures, 208 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Floyd 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.