Natural hazards · Summerville

Summerville, GA natural hazards

Most of the natural-hazard damage FEMA expects in Summerville comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 2021. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Summerville?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Summerville to be higher than in 64% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes32%Cold waves11%Everything else11%

By hazard

What Summerville faces

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

Inland flooding

46% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about once a year in the area

Tornadoes

32% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 78 years in the area

Cold waves

11% of expected damage

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

Recorded about once a year 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 Summerville flood?

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

4paid claims since 2021

$113Kpaid to owners

1homes flooded more than once

20212026

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. Summerville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Chattooga County.

Disasters that hit Summerville

2 federal disasters brought FEMA money here

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

Brought FEMA money into SummervilleDeclared for Chattooga County only

2009

Severe Storms and Flooding

13 households applied for aid $1K aid approved $25K to the City of Summerville for repairs

2000

Severe Winter Storm

$61K to the City of Summerville for repairs

Chattooga County has had 12 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. Summerville 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 Summerville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Summerville. 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.