Natural hazards · Fargo

Fargo, GA natural hazards

Most of the natural-hazard damage FEMA expects in Fargo comes from inland flooding, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Fargo?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Fargo to be higher than in 83% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding53%Hurricanes31%Tornadoes6%Everything else10%

By hazard

What Fargo 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

Well above average · higher than 88% of U.S. places

Recorded about once every 7 years in the area

Hurricanes

31% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

6% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 4 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat 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 Fargo flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clinch County.

Disasters that hit Fargo

1 federal disaster brought FEMA money here

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

Brought FEMA money into FargoDeclared for Clinch County only

2024

Hurricane Helene

126 households applied for aid $193K aid approved

Clinch County has had 15 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. Fargo 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 Fargo’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Fargo. 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.