Is Talbot County, GA in a flood zone?
FEMA's National Risk Index puts Talbot County's flood hazard at the 9.8th 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 4 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 34 homes FEMA counts inside Talbot County's mapped flood zone, 3 carry the flood policy federal law requires there — 8.8% compliance, short of full coverage. Across all residential structures in Talbot County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Talbot County against the rest of the country
Talbot County sits at rank 2853 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2756 of 3144 by population (1 is biggest). Talbot County, Georgia is home to about 5,755 people across 391.377 square miles of land.
Checking a specific address in Talbot County
Across all of Talbot County's 3,445 residential structures, 5 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 Talbot 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.