Is Lynchburg city, VA in a flood zone?
FEMA's National Risk Index puts Lynchburg city's flood hazard at the 65.3th 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 1.2 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Lynchburg city
Lynchburg city is one of the counties where FEMA's own denominator for mandated flood-zone structures is missing, so no compliance rate is shown rather than a guessed one — the data quality guide covers how common this is. Across all residential structures in Lynchburg city, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Lynchburg city against the rest of the country
Lynchburg city sits at rank 1140 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 728 of 3144 by population (1 is biggest). Lynchburg city, Virginia covers 48.917 square miles and counts roughly 80,301 residents.
What to do next if you own or are buying in Lynchburg city
45 of Lynchburg city's 23,961 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 Lynchburg city's numbers. See the data quality guide for why Lynchburg city, like hundreds of other counties, doesn't get a clean compliance percentage.