Natural hazards · Summertown

Summertown, GA natural hazards

Most of the natural-hazard damage FEMA expects in Summertown comes from inland flooding, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Summertown?

High

vs. U.S. communities

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

Inland flooding39%Hurricanes21%Drought14%Tornadoes10%Heat waves5%Everything else11%

By hazard

What Summertown faces

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

Inland flooding

39% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 4 years in the area

Hurricanes

21% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 5 years in the area

Drought

14% of expected damage

Recorded about 33 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 14 years in the area

Heat waves

5% of expected damage

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

Recorded about 8 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesWildfireEarthquakesLandslidesStrong windLightning

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 Summertown flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Emanuel County.

Disasters that hit Summertown

2 federal disasters brought FEMA money here

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

Brought FEMA money into SummertownDeclared for Emanuel County only

2024

Hurricane Helene

3 households applied for aid $14K aid approved

2008

Severe Storms and Tornadoes

2 households applied for aid $5K to the City of Summertown for repairs

Emanuel County has had 15 natural disasters declared since 1953, most often hurricanes and winter 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. Summertown 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 Summertown’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Summertown. 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.