Natural hazards · Chattahoochee

Chattahoochee, FL natural hazards

Most of the natural-hazard damage FEMA expects in Chattahoochee comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1991. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Chattahoochee?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Chattahoochee to be higher than in 67% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes29%Inland flooding28%Tornadoes18%Cold waves14%Everything else11%

By hazard

What Chattahoochee faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

29% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

28% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

18% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 16 years in the area

Cold waves

14% of expected damage

Above average · higher than 69% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingIce stormsAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Chattahoochee flood?

Every paid claim on a federal flood insurance policy in Chattahoochee, from FEMA’s records.

5paid claims since 1991

$42Kpaid to owners

0homes flooded more than once

19912026

Biggest named events

Hurricane Sally: 1 claim, $4K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Chattahoochee isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Gadsden County.

Disasters that hit Chattahoochee

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Chattahoochee itself: aid to households, or repair grants to the City of Chattahoochee.

Brought FEMA money into ChattahoocheeDeclared for Gadsden County only

2018

Hurricane Michael

974 households applied for aid $810K aid approved $2.0M to the City of Chattahoochee for repairs

2008

Tropical Storm Fay

9 households applied for aid $24K aid approved $15K to the City of Chattahoochee for repairs

2005

Hurricane Dennis

$3K to the City of Chattahoochee for repairs

2004

Hurricane Ivan

6 households applied for aid $13K aid approved $7K to the City of Chattahoochee for repairs

2004

Hurricane Frances

1 household applied for aid $630 aid approved $40K to the City of Chattahoochee for repairs

Gadsden County has had 30 natural disasters declared since 1953, most often hurricanes and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Chattahoochee is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Chattahoochee’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Chattahoochee. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.