Is Garland County, AR in a flood zone?
FEMA's National Risk Index puts Garland County's flood hazard at the 90.1th percentile nationally — a middling flood hazard by national standards — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 2.1 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Garland County
Out of 1,779 homes FEMA counts inside Garland County's mapped flood zone, 467 carry the flood policy federal law requires there — 26.3% compliance, short of full coverage. Across all residential structures in Garland County, not just the ones FEMA mandates, 1.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Garland County compares nationally
Garland County sits at rank 329 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 622 of 3144 by population (1 is biggest). Garland County, Arkansas is home to about 99,902 people across 677.615 square miles of land.
What to do next if you own or are buying in Garland County
Across all of Garland County's 45,081 residential structures, 573 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 Garland 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.