Stone County, MS flood risk explained
Flood hazard in Stone County sits at the 26.7th national percentile, 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 1.2 times a year. 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 Stone 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, 16.9% of them do — 14 active policies against 83 structures FEMA counts in that zone, leaving a real compliance gap. Looking beyond the mandated zone, 0.4% of all residential structures in Stone County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
Stone County against the rest of the country
Among the 3144 US counties FEMA scores for flood hazard, Stone County ranks 2352 — 1 being the highest hazard nationally — and 1852 by population among all 3144 counties covered here, where 1 is the largest. About 19,569 people live in Stone County, Mississippi, spread over 445.485 square miles.
Checking a specific address in Stone County
26 of Stone County's 7,222 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Stone 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.