Irwin County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Irwin County scores at the 7.8th percentile for flood hazard, rated "Very Low" — among the lowest flood hazard in the country. 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 3 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Irwin County
3.6% of the homes FEMA requires to carry flood insurance in Irwin County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4 policies against 110 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 Irwin County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Irwin County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Irwin County ranks 2912 — 1 being the highest hazard nationally — and 2478 by population among all 3144 counties covered here, where 1 is the largest. Irwin County, Georgia covers 354.363 square miles and counts roughly 9,155 residents.
What to do next if you own or are buying in Irwin County
Across all of Irwin County's 4,604 residential structures, 6 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Irwin 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.