Natural hazards · Cairo

Cairo, GA natural hazards

Most of the natural-hazard damage FEMA expects in Cairo comes from hurricanes, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2021. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Cairo?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cairo to be higher than in 52% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes31%Inland flooding25%Tornadoes23%Cold waves11%Everything else10%

By hazard

What Cairo faces

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

Hurricanes

31% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

25% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

23% of expected damage

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

Recorded about once every 56 years in the area

Cold waves

11% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Cairo flood?

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

1paid claims since 2021

$2Kpaid to owners

0homes flooded more than once

20212026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grady County.

What’s been done with FEMA grants

6flood-prone properties bought out and cleared

1buildings retrofitted against wind

Disasters that hit Cairo

3 federal disasters brought FEMA money here

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

Brought FEMA money into CairoDeclared for Grady County only

2018

Hurricane Michael

1,220 households applied for aid $222K aid approved $634K to the City of Cairo for repairs

2017

Hurricane Irma

$93K to the City of Cairo for repairs

2004

Tropical Storm Frances

$52K to the City of Cairo for repairs

Grady County has had 12 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. Cairo 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 Cairo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cairo. 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.