FEMA flood zones · Georgia

Lincoln County, Georgia Flood Zone Map

2 federal flood & hurricane disasters

23% of Lincoln County’s area is in FEMA’s high-risk flood zones.

Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.

Coastal high risk (V, VE)FloodwayHigh risk (A, AE)Moderate (X, 500-year)Minimal (X)Undetermined (D)

Shaded areas are FEMA’s mapped flood hazard zones in and around Lincoln County, Georgia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.

In their words

6 NOAA storm reports from Lincoln County describe what happened, in the words of the forecasters who covered it. Read the Georgia flood stories →

Federal disasters

13 federal disaster declarations since 1977, 2 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormJan 22, 2026
Hurricane HeleneSep 24, 2024
Hurricane MichaelOct 9, 2018
Hurricane IrmaSep 7, 2017
Severe Winter StormFeb 10, 2014
Hurricane Katrina EvacuationAug 27, 2005
Severe Storms And FloodingFeb 14, 1998
High Winds, Heavy Rains & TornadoesNov 22, 1992

Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.

Recorded flood events

9 since 1996: 7 flash floods.

EventDateDamage
Tropical StormSep 27, 2024$7.9M · 1 killed
Flash FloodApr 6, 2022$10
Flash FloodJul 7, 2020$5,000
Tropical StormOct 10, 2018—
Flash FloodJun 3, 2015$2,000
Flash FloodJun 3, 2015$35,000

— = no damage estimate in the record. Source: NOAA Storm Events Database.

From the storm reports

Tropical Storm · Sep 27, 2024. Tropical Storm Helene formed in the NW Caribbean Sea on September 24. Helene moved northward into the Gulf of Mexico where it strengthened into a hurricane on September 25. Helene made landfall as a major hurricane in the Big Bend area of Florida the night of September 26 before quickly moving inland into east central Georgia by early morning on September 27. Helene weakened to a strong tropical storm and produced…

Flash Flood · Apr 6, 2022. An upper level disturbance and the interaction of surface boundaries, along with increasing moisture, led to thunderstorms that developed and moved east across the region during the afternoon. Sufficient atmospheric instability and shear led some of the thunderstorms to produce damaging wind and tornadoes, along with locally heavy rain.

Flash Flood · Jul 7, 2020. An upper trough, along with a very moist atmosphere, contributed to a band of heavy showers and thunderstorms that set up in an area of low level moisture convergence just east of a slow moving surface low, leading to heavy rain and flash flooding. Rainfall amounts of 4 to 6 inches, most of which fell over the course of a few hours, led to some roads flooding and washing out.

Tropical Storm · Oct 10, 2018. An area of disturbed weather over the NW Caribbean Sea organized and became Tropical Depression #14 early on Sunday October 7th. The cyclone continued to organize while moving very slowly north, just east of the Yucatan peninsula, becoming Tropical Storm Michael on Sunday afternoon October 7th. The cyclone further developed while moving slowly north, reaching Hurricane status Monday morning October 8th. The…

National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.

The zones you’ll see on the map

Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.

Cross-section of a river floodplainDiagram: a river valley. The floodway is the channel and the land beside it; the 1%-annual-chance flood surface (the base flood elevation) covers the valley floor as zone A or AE; a narrow band higher up is shaded X, the 0.2% floodplain; higher ground is X.0.2% CHANCE A YEAR (500-YEAR)BASE FLOOD ELEVATION · 1% A YEARXAEFloodwayAEX
  1. A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
  2. Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
  3. X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
  4. X Outside both lines. No federal requirement to insure, which is not the same as no risk.

Every flood zone code explained →

Flood insurance in Lincoln County

If a building in Lincoln County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.

Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.