McDuffie County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, McDuffie County scores at the 28.2th 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 9 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in McDuffie County
33.3% of the homes FEMA requires to carry flood insurance in McDuffie County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 3 policies against 9 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 McDuffie County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
McDuffie County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, McDuffie County ranks 2308 — 1 being the highest hazard nationally — and 1732 by population among all 3144 counties covered here, where 1 is the largest. McDuffie County, Georgia is home to about 21,764 people across 257.379 square miles of land.
What to do next if you own or are buying in McDuffie County
9 of McDuffie County's 10,017 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where McDuffie 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.