Is Heard County, GA in a flood zone?
FEMA's National Risk Index puts Heard County's flood hazard at the 22.3th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 3 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Heard County's flood-insurance compliance gap
1.3% of the homes FEMA requires to carry flood insurance in Heard County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 1 policies against 76 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Heard County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Heard County ranks
Heard County sits at rank 2484 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2273 of 3144 by population (1 is biggest). About 12,119 people live in Heard County, Georgia, spread over 295.973 square miles.
Checking a specific address in Heard County
2 of Heard County's 5,425 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Heard 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.