Natural hazards · Lovejoy

Lovejoy, GA natural hazards

Most of the natural-hazard damage FEMA expects in Lovejoy comes from inland flooding, and overall the risk is very low 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 Lovejoy?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Lovejoy to be higher than in 7% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding36%Tornadoes28%Cold waves16%Everything else20%

By hazard

What Lovejoy faces

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

Inland flooding

36% of expected damage

Well below average · higher than 7% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

28% of expected damage

Well above average · higher than 85% of U.S. places

Cold waves

16% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Lovejoy flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clayton County.

Disasters that hit Lovejoy

1 federal disaster brought FEMA money here

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

Brought FEMA money into LovejoyDeclared for Clayton County only

2017

Hurricane Irma

$15K to the City of Lovejoy for repairs

Clayton County has had 12 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. Lovejoy covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Lovejoy’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Lovejoy. 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 Lovejoy total about $448K 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.