FEMA flood zones · Georgia

Wilcox County, Georgia Flood Zone Map

4 federal flood & hurricane disasters

10% of Wilcox 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 Wilcox 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.

How Wilcox County floods

Tropical storms and flash flooding dominate the flood profile of Wilcox County, supported by NOAA records over the last thirty years that document 13 tropical storm events, 5 flash flood events, 4 general flood events, and 3 hurricane events.

Heavy rainfall on saturated soils creates significant local flood impacts, as demonstrated on March 4, 2020, when 3 to 6 inches of rain fell and caused numerous road closures. Summer convective activity also produces heavy rainfall totals, such as the 3 to 5 inches of rain recorded during isolated severe thunderstorms on June 12, 2020. Additionally, major tropical systems tracking inland from the Gulf Coast impact the region, as occurred when Hurricane Michael moved rapidly northeast across south and central Georgia on October 10, 2018, following its Florida panhandle landfall.

Homeowners, real estate agents, and journalists should pay the closest attention to properties situated in low-lying areas prone to rapid accumulation from heavy tropical downpours and severe thunderstorms.

Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.

In their words

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

Federal disasters

18 federal disaster declarations since 1977, 4 of them floods, coastal storms or hurricanes.

DisasterBegan
Severe Winter StormJan 22, 2026
Hurricane HeleneSep 24, 2024
Hurricane DebbyAug 4, 2024
Hurricane MichaelOct 9, 2018
Hurricane IrmaSep 7, 2017
Severe Storms, Tornadoes, Straight-line Winds, And FloodingJan 21, 2017
Severe Storms, Flooding, Tornadoes, And Straight-line WindsMar 26, 2009
Hurricane Katrina EvacuationAug 27, 2005

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

Recorded flood events

25 since 1996: 5 flash floods and 4 river or area floods.

EventDateDamage
Flash FloodJun 12, 2020—
Flash FloodJun 12, 2020$5,000
Flash FloodMar 4, 2020$75,000
Hurricane (Typhoon)Oct 10, 2018—
Tropical StormOct 10, 2018—
Tropical StormSep 11, 2017$100,000
Tropical StormSep 2, 2016$5,000
Tropical StormSep 4, 2011—

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

From the storm reports

Flash Flood · Jun 12, 2020. Ample moisture and moderate instability combined with strong daytime heating to produce an isolated severe thunderstorm and flash flooding in central Georgia. In total, 3 to 5 inches of rain occurred in portions of central Georgia.

Flash Flood · Mar 4, 2020. During the day on March 4, enhanced moisture over the state produced a swath of heavy rainfall over portions of south and central Georgia. An area of 3 to 6 inches of rain fell over an area stretching from Stewart County eastward to Toombs County. Isolated higher amounts of up to 8 inches, particularly over Stewart County. This heavy rainfall fell on already wet soils, exacerbating the impact. Numerous road closur…

Hurricane (Typhoon) · Oct 10, 2018. Hurricane Michael made landfall along the Florida panhandle at Mexico beach (just southeast of Panama City) on the afternoon of October 10, 2018 as a high-end Category 4 hurricane (max winds of 155 MPH). Michael then moved rapidly inland, causing widespread wind damage along its path as it swept northeast across south and central Georgia. Hurricane Michael was the first major hurricane, category 3 or higher, to di…

Tropical Storm · Oct 10, 2018. Hurricane Michael made landfall along the Florida panhandle at Mexico beach (just southeast of Panama City) on the afternoon of October 10, 2018 as a high-end Category 4 hurricane (max winds of 155 MPH). Michael then moved rapidly inland, causing widespread wind damage along its path as it swept northeast across south and central Georgia. Hurricane Michael was the first major hurricane, category 3 or higher, to di…

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 Wilcox County

If a building in Wilcox 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.