Madison County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Madison County scores at the 34.4th 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 5 years. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Madison County
10.3% of the homes FEMA requires to carry flood insurance in Madison County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 6 policies against 58 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 Madison County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Madison County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Madison County ranks 2122 — 1 being the highest hazard nationally — and 1374 by population among all 3144 counties covered here, where 1 is the largest. About 32,771 people live in Madison County, Georgia, spread over 282.324 square miles.
Checking a specific address in Madison County
12 of Madison County's 13,924 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Madison 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.