Natural hazards · Hartwell

Hartwell, GA natural hazards

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

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hartwell to be higher than in 29% of U.S. communities, mostly from inland flooding.

Inland flooding46%Tornadoes14%Cold waves10%Earthquakes7%Heat waves5%Hurricanes5%Everything else13%

By hazard

What Hartwell faces

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

Inland flooding

46% of expected damage

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

Recorded about once every 2 years in the area

Tornadoes

14% of expected damage

Above average · higher than 68% of U.S. places

Cold waves

10% of expected damage

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

Recorded about once every 5 years in the area

Earthquakes

7% of expected damage

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

Heat waves

5% of expected damage

Below average · higher than 30% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

5% of expected damage

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

Recorded about once every 17 years in the area

Lower here

HailIce stormsWinter weatherWildfireLandslidesStrong 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 Hartwell flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hart County.

Disasters that hit Hartwell

4 federal disasters brought FEMA money here

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

Brought FEMA money into HartwellDeclared for Hart County only

2017

Hurricane Irma

$53K to the City of Hartwell for repairs

2015

Severe Winter Storm

$34K to the City of Hartwell for repairs

2004

Tropical Storm Frances

$11K to the City of Hartwell for repairs

2000

Severe Winter Storm

$6K to the City of Hartwell for repairs

Hart 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. Hartwell covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Hartwell’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hartwell. 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 Hartwell total about $372K 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.

Hartwell, GA natural hazards

How exposed is Hartwell?

What Hartwell faces

Inland flooding

Tornadoes

Cold waves

Earthquakes

Heat waves

Hurricanes

Lower here

Not a risk here

Does Hartwell flood?

4 federal disasters brought FEMA money here

Hurricane Irma

Severe Winter Storm

Tropical Storm Frances

Severe Winter Storm

How to read this page

Where to, neighbor?

Matches

Nearby