Natural hazards · Temple

Temple, GA natural hazards

Most of the natural-hazard damage FEMA expects in Temple comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2009. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Temple?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Temple to be higher than in 51% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding52%Tornadoes26%Cold waves8%Everything else14%

By hazard

What Temple faces

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

Inland flooding

52% of expected damage

Above average · higher than 60% of U.S. places

Recorded about once a year in the area

Tornadoes

26% of expected damage

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

Cold waves

8% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong 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 Temple flood?

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

1paid claims since 2009

$109Kpaid to owners

0homes flooded more than once

20092026

Biggest named events

Late summer storms: 1 claim, $109K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Carroll County.

Disasters that hit Temple

3 federal disasters brought FEMA money here

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

Brought FEMA money into TempleDeclared for Carroll County only

2014

Severe Winter Storm

$5K to the City of Temple for repairs

2009

Severe Storms and Flooding

115 households applied for aid $331K aid approved $44K to the City of Temple for repairs

2004

Hurricane Ivan

4 households applied for aid $13K aid approved

Carroll County has had 18 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. Temple 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 Temple’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Temple. 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.