Natural hazards · Demorest

Demorest, GA natural hazards

Most of the natural-hazard damage FEMA expects in Demorest comes from inland flooding, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Demorest?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Demorest to be higher than in 14% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding43%Cold waves17%Tornadoes15%Earthquakes9%Lightning5%Everything else11%

By hazard

What Demorest faces

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

Inland flooding

43% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about once a year in the area

Cold waves

17% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

15% of expected damage

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

Earthquakes

9% of expected damage

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

Lightning

5% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong wind

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 Demorest flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Habersham County.

Disasters that hit Demorest

3 federal disasters brought FEMA money here

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

Brought FEMA money into DemorestDeclared for Habersham County only

2017

Hurricane Irma

$131K to the City of Demorest for repairs

2015

Severe Winter Storm

$6K to the City of Demorest for repairs

2000

Severe Winter Storm

$2K to the City of Demorest for repairs

Habersham County has had 16 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. Demorest covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Demorest’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Demorest. 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 Demorest total about $1.5M 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.

Demorest, GA natural hazards

How exposed is Demorest?

What Demorest faces

Inland flooding

Cold waves

Tornadoes

Earthquakes

Lightning

Lower here

Not a risk here

Does Demorest flood?

3 federal disasters brought FEMA money here

Hurricane Irma

Severe Winter Storm

Severe Winter Storm

How to read this page

Where to, neighbor?

Matches

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