Natural hazards · Ray

Ray, GA natural hazards

Most of the natural-hazard damage FEMA expects in Ray comes from inland flooding, and overall the risk is high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Ray?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ray to be higher than in 69% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding36%Hurricanes31%Tornadoes14%Cold waves8%Everything else11%

By hazard

What Ray 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

Above average · higher than 67% of U.S. places

Recorded about once every 4 years in the area

Hurricanes

31% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

14% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once every 37 years in the area

Cold waves

8% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Ray flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Berrien County.

Disasters that hit Ray

5 federal disasters brought FEMA money here

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

Brought FEMA money into RayDeclared for Berrien County only

2024

Hurricane Helene

1,263 households applied for aid $1.8M aid approved $92K to the City of Ray for repairs

2023

Hurricane Idalia

95 households applied for aid $98K aid approved

2017

Hurricane Irma

$4K to the City of Ray for repairs

2017

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

3 households applied for aid

2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

7 households applied for aid $6K aid approved

Berrien County has had 14 natural disasters declared since 1953, most often hurricanes and tornadoes.

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