Natural hazards · Cave Spring

Cave Spring, GA natural hazards

Most of the natural-hazard damage FEMA expects in Cave Spring comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 20 claims here since 1979. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Cave Spring?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cave Spring to be higher than in 75% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding54%Tornadoes19%Drought8%Cold waves7%Everything else11%

By hazard

What Cave Spring faces

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

Inland flooding

54% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 11 years in the area

Drought

8% of expected damage

Recorded about 32 times a year in the area

Cold waves

7% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Cave Spring flood?

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

20paid claims since 1979

$164Kpaid to owners

1homes flooded more than once

19792026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Floyd County.

Disasters that hit Cave Spring

1 federal disaster brought FEMA money here

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

Brought FEMA money into Cave SpringDeclared for Floyd County only

2011

Severe Storms, Tornadoes, Straight-Line Winds, and Associated Flooding

90 households applied for aid $36K aid approved

Floyd County has had 16 natural disasters declared since 1953, most often severe storms and hurricanes.

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. Cave Spring 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 Cave Spring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cave Spring. 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.