How much flood risk does Terrell County actually carry?
Terrell County lands at the 12.9th percentile of FEMA's National Risk Index for flooding, "Very Low" territory — among the lowest flood hazard in the country — with the hazard driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 5 years. That's a county-wide figure, not a per-address one — FEMA's parcel maps are a live lookup, not a bulk file.
Terrell County's flood-insurance compliance gap
22.2% of the homes FEMA requires to carry flood insurance in Terrell County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 4 policies against 18 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Terrell 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.
How Terrell County compares nationally
Terrell County sits at rank 2763 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2514 of 3144 by population (1 is biggest). Terrell County, Georgia is home to about 8,698 people across 335.791 square miles of land.
Your street may differ from Terrell County's average
FEMA counts 4,734 residential structures in Terrell County overall, 10 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 Terrell 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.