Is Stephens County, GA in a flood zone?
FEMA's National Risk Index puts Stephens County's flood hazard at the 44th 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 once every 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Stephens County's flood-insurance compliance gap
Homes with a federally backed mortgage inside Stephens 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, 12% of them do — 23 active policies against 192 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Stephens County, not just the ones FEMA mandates, 0.3% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Stephens County against the rest of the country
Stephens County sits at rank 1821 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1526 of 3144 by population (1 is biggest). Stephens County, Georgia covers 178.862 square miles and counts roughly 27,498 residents.
Your street may differ from Stephens County's average
Across all of Stephens County's 11,880 residential structures, 33 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Stephens County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.