Property Atlas

County hazard profile

Chatham, GA

Georgia · pop. 293,520 · FIPS 13051

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$277M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

higher than 85% of counties

national median $15M/yr Chatham $277M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 97.42/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 42.05/100
national median ~50 near the national middle (42nd percentile)
Community resilienceVery High 93.73/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Chatham

The National Flood Insurance Program has paid 5,462 flood-insurance claims totaling $82.4M in Chatham since 1978. The costliest year was 2017 ($28.8M paid).

Flood-insurance dollars paid by year of loss

1978: $2,684 paid 1979: $115,341 paid 1980: $22,248 paid 1981: $23,828 paid 1982: $43,229 paid 1983: $36,085 paid 1984: $15,000 paid 1985: $39,860 paid 1986: $8,075 paid 1987: $102,960 paid 1988: $6,512 paid 1989: $12,864 paid 1990: $48,481 paid 1991: $286,284 paid 1992: $4,113 paid 1993: $59,851 paid 1994: $8,745,595 paid 1995: $882,121 paid 1996: $5,858,809 paid 1997: $30,545 paid 1998: $147,500 paid 1999: $17,080,948 paid 2000: $5,565 paid 2001: $12,585 paid 2002: $235,906 paid 2003: $231,549 paid 2004: $89,885 paid 2005: $82,526 paid 2006: $579,326 paid 2007: $297,261 paid 2008: $13,573 paid 2009: $170,566 paid 2010: $47,939 paid 2011: $13,705 paid 2012: $12,686 paid 2013: $62,341 paid 2014: $135,897 paid 2015: $99,077 paid 2016: $13,691,484 paid 2017: $28,760,459 paid 2018: $269,703 paid 2019: $148,766 paid 2020: $28,538 paid 2021: $515,406 paid 2022: $65,329 paid 2023: $8,278 paid 2024: $3,065,409 paid 2025: $192,330 paid 2026: $0 paid 2017 · $28.8M 1978 2026
$82.4M
total paid
$15,088
average claim
$630K
largest single claim
64%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Chatham, GA and where it ranks among U.S. counties. It is not a verdict on whether Chatham is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.