McIntosh County, GA: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, McIntosh County scores at the 70.2th percentile for flood hazard, rated "Relatively Moderate" — a middling flood hazard by national standards. The hazard here is driven by coastal storm surge rather than inland rivers — FEMA's model puts a surge event here at about 3.6 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
McIntosh County's flood-insurance compliance gap
Homes with a federally backed mortgage inside McIntosh County's mapped high-risk flood zone (the Special Flood Hazard Area, or SFHA) are legally required to carry an NFIP flood policy. In practice, 36.4% of them do — 284 active policies against 780 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 7.9% of all residential structures in McIntosh County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Where McIntosh County ranks
Among the 3144 US counties FEMA scores for flood hazard, McIntosh County ranks 979 — 1 being the highest hazard nationally — and 2296 by population among all 3144 counties covered here, where 1 is the largest. About 11,800 people live in McIntosh County, Georgia, spread over 431.347 square miles.
Your street may differ from McIntosh County's average
Across all of McIntosh County's 7,212 residential structures, 569 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where McIntosh County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. McIntosh County's coastal exposure is covered in the coastal vs. inland flood risk guide, including how storm surge risk differs from river flooding.