Natural hazards · Monroe

Monroe, GA natural hazards

Most of the natural-hazard damage FEMA expects in Monroe comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1990. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Monroe?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monroe to be higher than in 19% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes20%Strong wind6%Earthquakes5%Everything else18%

By hazard

What Monroe faces

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

Inland flooding

51% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

20% of expected damage

Well above average · higher than 77% of U.S. places

Strong wind

6% of expected damage

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

Recorded about 2 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 57% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesLightning

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 Monroe flood?

Every paid claim on a federal flood insurance policy in Monroe, from FEMA’s records.

4paid claims since 1990

$43Kpaid to owners

1homes flooded more than once

19902026

Biggest named events

Early winter storms: 1 claim, $15K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Walton County.

Disasters that hit Monroe

2 federal disasters brought FEMA money here

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

Brought FEMA money into MonroeDeclared for Walton County only

2017

Hurricane Irma

$106K to the City of Monroe for repairs

2000

Severe Winter Storm

$96K to the City of Monroe for repairs

Walton 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. Monroe 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 Monroe’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Monroe. 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.