Natural hazards · Sautee-Nacoochee

Sautee-Nacoochee, GA natural hazards

Most of the natural-hazard damage FEMA expects in Sautee-Nacoochee comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 7 claims here since 2004. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Sautee-Nacoochee?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sautee-Nacoochee to be higher than in 73% of U.S. communities, mostly from inland flooding.

Inland flooding68%Cold waves13%Tornadoes8%Everything else12%

By hazard

What Sautee-Nacoochee faces

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

Inland flooding

68% of expected damage

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

Recorded about once a year in the area

Cold waves

13% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

8% of expected damage

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

Recorded about once every 93 years in the area

Lower here

HurricanesHailIce 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 Sautee-Nacoochee flood?

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

7paid claims since 2004

$93Kpaid to owners

0homes flooded more than once

20042026

Biggest named events

Hurricane Zeta: 1 claim, $590
Tropical Storm Ivan: 1 claim, $20K
Tropical Storm Fred: 1 claim, $60K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: White County.

Disasters that hit Sautee-Nacoochee

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Sautee-Nacoochee itself: aid to households, or repair grants to Sautee-Nacoochee.

Brought FEMA money into Sautee-NacoocheeDeclared for White County only

2004

Hurricane Ivan

6 households applied for aid $1K aid approved

White County has had 16 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. Sautee-Nacoochee covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sautee-Nacoochee’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Sautee-Nacoochee. 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 Sautee-Nacoochee total about $1.5M 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.