Property Atlas

County hazard profile

Floyd, GA

Georgia · pop. 98,532 · FIPS 13115

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$40M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Floyd $40M

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 Moderate 81.97/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively High 60.02/100
national median ~50 near the national middle (60th percentile)
Community resilienceRelatively Moderate 44.31/100
national median ~50 near the national middle (44th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Floyd

The National Flood Insurance Program has paid 382 flood-insurance claims totaling $3.4M in Floyd since 1979. The costliest year was 1990 ($1.3M paid).

Flood-insurance dollars paid by year of loss

1979: $619,203 paid 1980: $35,829 paid 1981: $0 paid 1982: $44,461 paid 1984: $2,177 paid 1985: $0 paid 1986: $0 paid 1989: $53,561 paid 1990: $1,315,207 paid 1991: $1,548 paid 1992: $10,083 paid 1994: $7,794 paid 1995: $29,917 paid 1996: $69,787 paid 1997: $46,665 paid 1998: $19,041 paid 1999: $27,491 paid 2000: $26,672 paid 2001: $0 paid 2003: $21,059 paid 2004: $643 paid 2008: $1,163 paid 2009: $8,381 paid 2010: $0 paid 2011: $2,362 paid 2013: $0 paid 2014: $0 paid 2015: $515,053 paid 2016: $0 paid 2017: $35,276 paid 2018: $18,416 paid 2019: $99,970 paid 2020: $8,462 paid 2021: $187,034 paid 2022: $21,668 paid 2023: $0 paid 2024: $140,000 paid 2025: $1,042 paid 1990 · $1.3M 1979 2025
$3.4M
total paid
$8,822
average claim
$305K
largest single claim
52%
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 Floyd, GA and where it ranks among U.S. counties. It is not a verdict on whether Floyd 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.