Georgia
flood insurance data

NFIP premiums in Georgia

NFIP premiums: what NFIP policyholders paid, not a quote. Across 59,335 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $977, and half of them fall between $719 (Q1) and $1,205 (Q3).

With 59,335 residential NFIP policies effective 2025, Georgia has the 10th most of 53 States and territories. The median NFIP premium in Georgia, $977, is 7.4% below the national median ($1,055); it is the 19th lowest of 53 States and territories.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 59,335 policies.

NFIP paid building claims in Georgia

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 5,392 paid claims; median $14,616, half of them between $5,146 (Q1) and $38,154 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $17,687, a monetary adjustment, not today’s cost of repair.

With 5,392 paid claims (year of loss 2015-2024), Georgia has the 10th most of 53 States and territories. The named event with the most paid claims in Georgia, Hurricane Irma, accounts for 31.0% of them, ahead of Hurricane Matthew (11.8%): no single event holds a majority. The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2017, holds 34.5% of them.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 25 flood, hurricane and severe-storm declarations (DR and EM) covering Georgia, 20 of them major disaster declarations.

Latest declarations

• DR-4830: HURRICANE HELENE (Hurricane, 2024-09-30)
• DR-4738: HURRICANE IDALIA (Hurricane, 2023-09-07)
• DR-4685: SEVERE STORMS, STRAIGHT-LINE WINDS, AND TORNADOES (Severe Storm, 2023-01-16)
• DR-4600: SEVERE STORMS AND TORNADOES (Severe Storm, 2021-05-05)
• DR-4579: TROPICAL STORM ZETA (Hurricane, 2021-01-12)

FEMA assistance to homeowners

Since 2002: 107,459 owner registrations inspected by FEMA in Georgia after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Of the 107,459 owner registrations FEMA inspected in Georgia after disasters of every declared type, 1.4% show more than $30,000 of FEMA-inspected damage, against 2.6% nationally. The disaster with the most inspections is DR-4830, HURRICANE HELENE (declared 2024-09-30), with 50,621.

Disasters with the most inspections

• DR-4830, HURRICANE HELENE (declared 2024-09-30): 50,621 inspections
• DR-1858, SEVERE STORMS AND FLOODING (declared 2009-09-24): 19,764 inspections
• DR-4400, HURRICANE MICHAEL (declared 2018-10-14): 11,467 inspections
• DR-4338, HURRICANE IRMA (declared 2017-09-15): 5,571 inspections
• DR-4284, HURRICANE MATTHEW (declared 2016-10-08): 5,277 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 658 NFIP communities in Georgia: 589 participate in the NFIP and 59 (9.0%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Austell, City of, Brunswick,city of, Bryan County * and 7 more): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in those communities, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in Georgia dates from 2006-09-29 (Lawrenceville, City of). 69 of these communities do not participate in the NFIP; 69 carry a sanction, 0 coded as a suspension and 0 as a withdrawal.

In Georgia, 5.3% of the Status Book’s communities span several counties or match no county by name, so community counts by county are partial there.

Questions about flood insurance in Georgia

How much is flood insurance in Georgia?

NFIP policyholders in Georgia paid a median of $977 for residential policies effective 2025 (59,335 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $719 and $1,205; $1,075 inside the Special Flood Hazard Area against $847 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has Georgia had?

5,392 NFIP building claims were paid (year of loss 2015-2024), with a median of $14,616; the year with the most was 2017 (1,858), and the named event with the most was Hurricane Irma (1,673). These are amounts paid, not repair cost.

Is Georgia in a flood zone?

Of the residential NFIP policies of Georgia (policies effective 2025), 31,386 are rated inside the Special Flood Hazard Area and 27,945 outside it (zones listed: X, AE, A, VE), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Counties of Georgia

• Chatham County

Named storms with paid claims in Georgia

• Hurricane Helene
• Hurricane Irma
• Hurricane Matthew
• Hurricane Dennis
• Hurricane Debby

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).