Natural hazards · Dearing

Dearing, GA natural hazards

Most of the natural-hazard damage FEMA expects in Dearing comes from inland flooding, and overall the risk is low for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Dearing?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Dearing to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding40%Tornadoes20%Hail10%Drought5%Everything else25%

By hazard

What Dearing faces

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

Inland flooding

40% of expected damage

Below average · higher than 34% of U.S. places

Recorded about once every 9 years in the area

Tornadoes

20% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 26 years in the area

Hail

10% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Drought

5% of expected damage

Recorded about 48 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat 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 Dearing flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: McDuffie County.

Disasters that hit Dearing

2 federal disasters brought FEMA money here

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

Brought FEMA money into DearingDeclared for McDuffie County only

2024

Hurricane Helene

1,248 households applied for aid $1.6M aid approved

2007

Severe Storms and Tornadoes

1 household applied for aid

McDuffie County has had 10 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. Dearing 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 Dearing’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Dearing. 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.