Is Spotsylvania County, VA in a flood zone?
FEMA's National Risk Index puts Spotsylvania County'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 1.5 times a year. County-wide, not parcel-specific: FEMA's real flood-zone map is queried live, never shipped as a download.
Mandatory flood insurance compliance in Spotsylvania County
Spotsylvania County 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 Spotsylvania 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 Spotsylvania County compares nationally
Spotsylvania County sits at rank 1139 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 460 of 3144 by population (1 is biggest). Spotsylvania County, Virginia is home to about 152,021 people across 401.942 square miles of land.
Checking a specific address in Spotsylvania County
249 of Spotsylvania County's 32,581 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 Spotsylvania County's numbers. See the data quality guide for why Spotsylvania County, like hundreds of other counties, doesn't get a clean compliance percentage.