Natural hazards · Ringgold

Ringgold, GA natural hazards

Most of the natural-hazard damage FEMA expects in Ringgold comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 22 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 Ringgold?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Ringgold to be higher than in 52% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes19%Cold waves18%Earthquakes7%Everything else8%

By hazard

What Ringgold faces

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

Inland flooding

48% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

19% of expected damage

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

Cold waves

18% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Earthquakes

7% of expected damage

Well above average · higher than 77% 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 Ringgold flood?

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

22paid claims since 1990

$443Kpaid to owners

1homes flooded more than once

19902026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Catoosa County.

What’s been done with FEMA grants

33homes raised above flood level

5flood-prone properties bought out and cleared

Disasters that hit Ringgold

2 federal disasters brought FEMA money here

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

Brought FEMA money into RinggoldDeclared for Catoosa County only

2011

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

901 households applied for aid $1,000K aid approved $153K to the City of Ringgold for repairs

2009

Severe Storms and Flooding

109 households applied for aid $182K aid approved

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