Natural hazards · Cumming

Cumming, GA natural hazards

Most of the natural-hazard damage FEMA expects in Cumming 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 Cumming?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cumming to be higher than in 22% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding53%Tornadoes21%Earthquakes9%Cold waves8%Everything else10%

By hazard

What Cumming faces

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

Inland flooding

53% of expected damage

Below average · higher than 31% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

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

Earthquakes

9% of expected damage

Above average · higher than 71% of U.S. places

Cold waves

8% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong windLightning

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 Cumming flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Forsyth County.

Disasters that hit Cumming

4 federal disasters brought FEMA money here

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

Brought FEMA money into CummingDeclared for Forsyth County only

2020

Tropical Storm Zeta

$39K to the City of Cumming for repairs

2017

Hurricane Irma

$59K to the City of Cumming for repairs

2004

Hurricane Ivan

26 households applied for aid $53K aid approved $33K to the City of Cumming for repairs

2000

Severe Winter Storm

$6K to the City of Cumming for repairs

Forsyth County has had 14 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. Cumming covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Cumming’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cumming. 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 Cumming total about $1.9M 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.