Natural hazards · Stone Mountain

Stone Mountain, GA natural hazards

Most of the natural-hazard damage FEMA expects in Stone Mountain comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 14 claims here since 2003. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Stone Mountain?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stone Mountain to be higher than in 12% of U.S. communities, mostly from inland flooding.

Inland flooding53%Tornadoes12%Cold waves10%Earthquakes7%Everything else18%

By hazard

What Stone Mountain faces

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

Inland flooding

53% of expected damage

Well below average · higher than 23% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

12% of expected damage

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

Cold waves

10% of expected damage

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

Recorded about once a year in the area

Earthquakes

7% of expected damage

Above average · higher than 58% 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 Stone Mountain flood?

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

14paid claims since 2003

$435Kpaid to owners

4homes flooded more than once

20032026

Biggest named events

Late summer storms: 7 claims, $344K
Tropical Storm Ivan: 1 claim, $6K
Early winter storms: 1 claim, $23K

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. Stone Mountain 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

3flood-prone properties bought out and cleared

Disasters that hit Stone Mountain

5 federal disasters brought FEMA money here

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

Brought FEMA money into Stone MountainDeclared for DeKalb County only

2017

Hurricane Irma

$14K to the City of Stone Mountain for repairs

2009

Severe Storms and Flooding

1,899 households applied for aid $2.4M aid approved $341K to the City of Stone Mountain for repairs

2008

Severe Storms and Tornadoes

23 households applied for aid $400 aid approved

2004

Hurricane Ivan

87 households applied for aid $77K aid approved $2K to the City of Stone Mountain for repairs

2000

Severe Winter Storm

$16K to the City of Stone Mountain 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. Stone Mountain 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 Stone Mountain’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Stone Mountain. 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.