Is Stewart County, GA in a flood zone?
FEMA's National Risk Index puts Stewart County's flood hazard at the 8.5th percentile nationally — among the lowest flood hazard in the country — 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.
Who actually carries the flood insurance FEMA requires
Homes with a federally backed mortgage inside Stewart 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, 0% of them do — 0 active policies against 14 structures FEMA counts in that zone, leaving a real compliance gap. Across all residential structures in Stewart County, not just the ones FEMA mandates, 0% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Stewart County compares nationally
Stewart County sits at rank 2892 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2832 of 3144 by population (1 is biggest). Stewart County, Georgia covers 458.766 square miles and counts roughly 4,809 residents.
Checking a specific address in Stewart County
FEMA counts 2,341 residential structures in Stewart County overall, 0 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Stewart 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.