Natural hazards · Georgia

Georgia, SD natural hazards

Most of the natural-hazard damage FEMA expects in Georgia comes from cold waves, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Georgia?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Georgia to be higher than in 53% of U.S. communities, mostly from cold waves and inland flooding.

Cold waves36%Inland flooding36%Tornadoes9%Hail8%Everything else11%

By hazard

What Georgia faces

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

Cold waves

36% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 14 times a year in the area

Inland flooding

36% of expected damage

Above average · higher than 67% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 3 years in the area

Hail

8% of expected damage

Above average · higher than 67% of U.S. places

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Georgia flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Grant County.

Disasters that hit Georgia

Federal disasters declared here

None of the disasters declared for Grant County shows FEMA aid or repair money reaching Georgia itself in FEMA’s records.

Brought FEMA money into GeorgiaDeclared for Grant County only

Grant County has had 20 natural disasters declared since 1953, most often floods and severe storms.

Around Georgia

Georgia and the towns around it

Very lowLowModerateHighVery high

Georgiamostly cold wavesModerate

Madisonmostly cold wavesModerate

Strandburgmostly cold wavesModerate

Troymostly cold wavesModerate

Adamsmostly cold wavesModerate

Portlandmostly inland floodingLow

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. Georgia 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 Georgia’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Georgia. 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.