Hart County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Hart County scores at the 43.3th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. 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 2 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Who actually carries the flood insurance FEMA requires
7.3% of the homes FEMA requires to carry flood insurance in Hart County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3 policies against 41 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 0.1% of all residential structures in Hart County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where Hart County ranks
Among the 3144 US counties FEMA scores for flood hazard, Hart County ranks 1844 — 1 being the highest hazard nationally — and 1508 by population among all 3144 counties covered here, where 1 is the largest. About 28,052 people live in Hart County, Georgia, spread over 232.423 square miles.
What to do next if you own or are buying in Hart County
Across all of Hart County's 13,834 residential structures, 9 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Hart 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.