Property Atlas

County hazard profile

Whitfield, GA

Georgia · pop. 102,749 · FIPS 13313

Relatively Moderate
FEMA risk rating · RATING
Tornado
dominant hazard
$38M
modeled expected annual loss/yr

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

among the lowest nationally

national median $15M/yr Whitfield $38M

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 81.49/100
national median ~50 higher than 81% of counties
Social vulnerabilityRelatively Moderate 59.03/100
national median ~50 near the national middle (59th percentile)
Community resilienceVery Low 12.02/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Whitfield

The National Flood Insurance Program has paid 93 flood-insurance claims totaling $5.2M in Whitfield since 1982. The costliest year was 2024 ($2.5M paid).

Flood-insurance dollars paid by year of loss

1982: $1,702 paid 1984: $40,784 paid 1988: $33,005 paid 1989: $0 paid 1990: $407,019 paid 1994: $118,074 paid 1995: $31,968 paid 1997: $22,710 paid 2003: $192,212 paid 2004: $16,579 paid 2005: $0 paid 2009: $24,615 paid 2010: $0 paid 2013: $0 paid 2014: $500,294 paid 2015: $17,946 paid 2018: $18,016 paid 2020: $1,208,937 paid 2021: $2,575 paid 2024: $2,549,275 paid 2024 · $2.5M 1982 2024
$5.2M
total paid
$55,760
average claim
$1.0M
largest single claim
54%
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 Whitfield, GA and where it ranks among U.S. counties. It is not a verdict on whether Whitfield 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.