Is Lowndes County, GA in a flood zone?
FEMA's National Risk Index puts Lowndes County's flood hazard at the 70.3th percentile nationally — below the national norm for flood hazard — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 1 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Lowndes County's flood-insurance compliance gap
22.2% of the homes FEMA requires to carry flood insurance in Lowndes County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 111 policies against 499 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Lowndes County, not just the ones FEMA mandates, 0.8% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Lowndes County compares nationally
Lowndes County sits at rank 973 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 528 of 3144 by population (1 is biggest). Lowndes County, Georgia is home to about 122,082 people across 497.25 square miles of land.
What to do next if you own or are buying in Lowndes County
Across all of Lowndes County's 40,271 residential structures, 329 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 Lowndes 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.