Natural hazards · Bowman

Bowman, GA natural hazards

Most of the natural-hazard damage FEMA expects in Bowman comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Bowman?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bowman to be higher than in 42% of U.S. communities, mostly from inland flooding.

Inland flooding48%Heat waves11%Tornadoes8%Cold waves8%Hurricanes7%Everything else18%

By hazard

What Bowman faces

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

Inland flooding

48% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once a year in the area

Heat waves

11% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 30 years in the area

Cold waves

8% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 5 years in the area

Hurricanes

7% of expected damage

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

Recorded about once every 19 years in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Bowman flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Elbert County.

Disasters that hit Bowman

1 federal disaster brought FEMA money here

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

Brought FEMA money into BowmanDeclared for Elbert County only

2024

Hurricane Helene

72 households applied for aid $113K aid approved

Elbert County has had 12 natural disasters declared since 1953, most often hurricanes and winter 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. Bowman 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 Bowman’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Bowman. 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.