Is Toombs County, GA in a flood zone?
FEMA's National Risk Index puts Toombs County's flood hazard at the 37.8th 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 3 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
18% of the homes FEMA requires to carry flood insurance in Toombs County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 47 policies against 261 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Across all residential structures in Toombs County, not just the ones FEMA mandates, 0.5% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
How Toombs County compares nationally
Toombs County sits at rank 2021 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 1528 of 3144 by population (1 is biggest). Toombs County, Georgia covers 364.015 square miles and counts roughly 27,488 residents.
What to do next if you own or are buying in Toombs County
FEMA counts 11,789 residential structures in Toombs County overall, 57 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 Toombs 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.