Natural hazards · Baldwin

Baldwin, GA natural hazards

Most of the natural-hazard damage FEMA expects in Baldwin comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Baldwin?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Baldwin to be higher than in 28% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding32%Cold waves29%Tornadoes19%Lightning8%Everything else13%

By hazard

What Baldwin faces

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

Inland flooding

32% of expected damage

Below average · higher than 43% of U.S. places

Recorded about once a year in the area

Cold waves

29% of expected damage

Above average · higher than 72% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

19% of expected damage

Above average · higher than 67% of U.S. places

Lightning

8% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong wind

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Baldwin flood?

FEMA's records show no paid flood insurance claims in Baldwin.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Habersham County.

Disasters that hit Baldwin

4 federal disasters brought FEMA money here

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

Brought FEMA money into BaldwinDeclared for Habersham County only

2017

Hurricane Irma

$101K to the City of Baldwin for repairs

2015

Severe Winter Storm

$23K to the City of Baldwin for repairs

2004

Hurricane Ivan

$6K to the City of Baldwin for repairs

2000

Severe Winter Storm

$3K to the City of Baldwin for repairs

Habersham County has had 16 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. Baldwin covers 1 census tract, combined by population.

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

FEMA’s expected losses across Baldwin total about $1.0M a year, counting buildings, people and crops.

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.

Baldwin, GA natural hazards

How exposed is Baldwin?

What Baldwin faces

Inland flooding

Cold waves

Tornadoes

Lightning

Lower here

Not a risk here

Does Baldwin flood?

4 federal disasters brought FEMA money here

Hurricane Irma

Severe Winter Storm

Hurricane Ivan

Severe Winter Storm

How to read this page

Where to, neighbor?

Matches

Nearby