Natural hazards · Howard

Howard, GA natural hazards

Most of the natural-hazard damage FEMA expects in Howard comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Howard?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Howard to be higher than in 45% of U.S. communities, mostly from inland flooding.

Inland flooding46%Tornadoes12%Hurricanes11%Drought11%Strong wind6%Everything else15%

By hazard

What Howard 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

Above average · higher than 54% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

12% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 10 years in the area

Hurricanes

11% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 11 years in the area

Drought

11% of expected damage

Recorded about 56 times a year in the area

Strong wind

6% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 Howard flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Taylor County.

Disasters that hit Howard

Federal disasters declared here

None of the disasters declared for Taylor County shows FEMA aid or repair money reaching Howard itself in FEMA’s records.

Brought FEMA money into HowardDeclared for Taylor County only

Taylor County has had 12 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. Howard 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 Howard’s own flood-insurance community; household aid to the registrant’s city; repair grants to Howard. 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.