Natural hazards · Toccoa

Toccoa, GA natural hazards

Most of the natural-hazard damage FEMA expects in Toccoa comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1979. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Toccoa?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Toccoa to be higher than in 31% of U.S. communities, mostly from inland flooding.

Inland flooding56%Tornadoes15%Cold waves8%Earthquakes7%Everything else14%

By hazard

What Toccoa faces

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

Inland flooding

56% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

15% of expected damage

Above average · higher than 68% of U.S. places

Cold waves

8% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 5 years in the area

Earthquakes

7% of expected damage

Above average · higher than 68% 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 Toccoa flood?

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

5paid claims since 1979

$70Kpaid to owners

0homes flooded more than once

19792026

Biggest named events

Late summer storms: 3 claims, $62K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Stephens County.

Disasters that hit Toccoa

6 federal disasters brought FEMA money here

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

Brought FEMA money into ToccoaDeclared for Stephens County only

2024

Hurricane Helene

177 households applied for aid $167K aid approved

2017

Hurricane Irma

$77K to the City of Toccoa for repairs

2015

Severe Winter Storm

$44K to the City of Toccoa for repairs

2009

Severe Storms and Flooding

277 households applied for aid $155K aid approved $305K to the City of Toccoa for repairs

2004

Hurricane Ivan

$60K to the City of Toccoa for repairs

2000

Severe Winter Storm

$28K to the City of Toccoa for repairs

Stephens County has had 14 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. Toccoa 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 Toccoa’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Toccoa. 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.

Toccoa, GA natural hazards

How exposed is Toccoa?

What Toccoa faces

Inland flooding

Tornadoes

Cold waves

Earthquakes

Lower here

Not a risk here

Does Toccoa flood?

Biggest named events

6 federal disasters brought FEMA money here

Hurricane Helene

Hurricane Irma

Severe Winter Storm

Severe Storms and Flooding

Hurricane Ivan

Severe Winter Storm

How to read this page

Where to, neighbor?

Matches

Nearby