Property Atlas

County hazard profile

Muscogee, GA

Georgia · pop. 206,469 · FIPS 13215

Relatively Moderate
FEMA risk rating · RATING
Lightning
dominant hazard
$39M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Muscogee $39M

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 81.55/100
national median ~50 higher than 82% of counties
Social vulnerabilityRelatively Moderate 58.21/100
national median ~50 near the national middle (58th percentile)
Community resilienceRelatively Moderate 42.59/100
national median ~50 near the national middle (43rd percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Muscogee

The National Flood Insurance Program has paid 242 flood-insurance claims totaling $2.3M in Muscogee since 1978. The costliest year was 2013 ($426K paid).

Flood-insurance dollars paid by year of loss

1978: $5,663 paid 1979: $37,139 paid 1980: $0 paid 1981: $35,677 paid 1982: $7,328 paid 1983: $1,013 paid 1984: $1,968 paid 1985: $42,695 paid 1986: $0 paid 1987: $0 paid 1990: $158,329 paid 1991: $32,969 paid 1992: $0 paid 1994: $0 paid 1995: $0 paid 1996: $781 paid 1997: $0 paid 1998: $7,541 paid 1999: $1,037 paid 2001: $516 paid 2003: $72,613 paid 2004: $0 paid 2005: $130,315 paid 2006: $28,679 paid 2007: $0 paid 2008: $3,479 paid 2009: $135,949 paid 2010: $0 paid 2011: $0 paid 2012: $0 paid 2013: $425,961 paid 2014: $12,493 paid 2015: $327,724 paid 2016: $76,446 paid 2017: $43,406 paid 2018: $166,383 paid 2020: $241,103 paid 2021: $15,567 paid 2022: $4,021 paid 2023: $258,635 paid 2024: $54,514 paid 2025: $0 paid 2013 · $426K 1978 2025
$2.3M
total paid
$9,628
average claim
$250K
largest single claim
50%
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 Muscogee, GA and where it ranks among U.S. counties. It is not a verdict on whether Muscogee 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.