Is Sumter County, GA in a flood zone?
FEMA's National Risk Index puts Sumter County's flood hazard at the 53.5th 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. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Mandatory flood insurance compliance in Sumter County
17.1% of the homes FEMA requires to carry flood insurance in Sumter County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 67 policies against 391 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Sumter County, not just the ones FEMA mandates, 0.7% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Sumter County compares nationally
Sumter County sits at rank 1523 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1473 of 3144 by population (1 is biggest). Sumter County, Georgia is home to about 28,972 people across 482.877 square miles of land.
Checking a specific address in Sumter County
Across all of Sumter County's 12,693 residential structures, 89 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 Sumter 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.