Natural hazards · Pine Lake

Pine Lake, GA natural hazards

Most of the natural-hazard damage FEMA expects in Pine Lake comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1994. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Pine Lake?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Pine Lake to be higher than in 33% of U.S. communities, mostly from inland flooding.

Inland flooding63%Tornadoes9%Cold waves8%Earthquakes8%Everything else14%

By hazard

What Pine Lake faces

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

Inland flooding

63% of expected damage

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

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 58% of U.S. places

Cold waves

8% of expected damage

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

Recorded about once a year in the area

Earthquakes

8% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Pine Lake flood?

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

7paid claims since 1994

$129Kpaid to owners

1homes flooded more than once

19942026

Biggest named events

Late summer storms: 3 claims, $69K
Tropical Storm Ivan: 2 claims, $14K
Tropical Storm Alberto: 1 claim, $17K

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. Pine Lake isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: DeKalb County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared

Disasters that hit Pine Lake

3 federal disasters brought FEMA money here

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

Brought FEMA money into Pine LakeDeclared for DeKalb County only

2009

Severe Storms and Flooding

31 households applied for aid $86K aid approved $26K to the City of Pine Lake for repairs

2004

Hurricane Ivan

$2K to the City of Pine Lake for repairs

2000

Severe Winter Storm

$3K to the City of Pine Lake for repairs

DeKalb County has had 14 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. Pine Lake 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 Pine Lake’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Pine Lake. 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.