Georgia natural hazard risk by county

Georgia has about $3.35 billion in modeled expected annual loss across 159 counties. The state accounts for 2.2% of the national modeled loss total. Its total ranks #12 among 56 state-level entries by modeled loss. FEMA published these 159 county estimates in its December 2025 National Risk Index. The modeled $3.35 billion annual average does not predict loss in any one year.

Modeled expected annual loss

$3.35 billion / year

Share of US loss

2.2%

State loss rank

#12 of 56

Largest modeled-loss hazard

Riverine Flood

Reading the Georgia county map

The map groups 159 county estimates into five within-state loss classes. Each boundary follows the county geography, while the fill represents modeled dollars per year. The class breaks are calculated from Georgia county values, so a matching shade on another state page need not represent the same amount. Grey marks unmatched geography or an unavailable estimate. Outlined counties link to the detailed profiles available in this release; counties without profiles still contribute to the state totals.

Together, the three largest estimates account for 21.6% of Georgia modeled annual loss. Their combined population represents 21.7% of the state source population. Comparing these two shares helps distinguish the concentration of modeled dollars from the concentration of residents. Neither share identifies the exposure of an individual address, and the map does not show the location of damage within a county.

County totals beside population

Chatham County, GA combines about $276.7 million in modeled annual loss with 293,520 recorded residents. Dividing those figures gives about $943 per resident, compared with $313 statewide. On this population-adjusted measure, the county places #6 among the 159 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Fulton County, GA combines about $234.6 million in modeled annual loss with 1,065,539 recorded residents. Dividing those figures gives about $220 per resident, compared with $313 statewide. On this population-adjusted measure, the county places #145 among the 159 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Gwinnett County, GA combines about $211.5 million in modeled annual loss with 956,460 recorded residents. Dividing those figures gives about $221 per resident, compared with $313 statewide. On this population-adjusted measure, the county places #144 among the 159 state county records. This ratio spreads all modeled losses across residents for comparison; it is not a household bill, an insurance premium or an estimate of personal damage.

Where the leading hazards are concentrated

For riverine flooding, Fulton County, GA contributes 10.4% of the state hazard total. The next county, Gwinnett County, GA, contributes about $144.9 million annually, compared with $164.3 million for the leader. Across Georgia, 159 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $1.27 billion after those two leading estimates. The state places #11 of 56 state-level entries for this hazard. Its share of the state loss mix is 47.2%. These comparisons describe modeled losses rather than future events.

For hurricanes, Chatham County, GA contributes 36.0% of the state hazard total. The next county, Liberty County, GA, contributes about $51.2 million annually, compared with $189.0 million for the leader. Across Georgia, 159 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $284.3 million after those two leading estimates. The state places #7 of 56 state-level entries for this hazard. Its share of the state loss mix is 15.7%. These comparisons describe modeled losses rather than future events.

For tornadoes, Cobb County, GA contributes 8.3% of the state hazard total. The next county, Gwinnett County, GA, contributes about $23.2 million annually, compared with $36.1 million for the leader. Across Georgia, 159 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $373.5 million after those two leading estimates. The state places #6 of 56 state-level entries for this hazard. Its share of the state loss mix is 12.9%. These comparisons describe modeled losses rather than future events.

For cold waves, Cobb County, GA contributes 9.4% of the state hazard total. The next county, Gwinnett County, GA, contributes about $10.9 million annually, compared with $20.0 million for the leader. Across Georgia, 159 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $181.8 million after those two leading estimates. The state places #15 of 56 state-level entries for this hazard. Its share of the state loss mix is 6.4%. These comparisons describe modeled losses rather than future events.

For earthquakes, Fulton County, GA contributes 13.4% of the state hazard total. The next county, DeKalb County, GA, contributes about $13.2 million annually, compared with $22.1 million for the leader. Across Georgia, 159 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $129.4 million after those two leading estimates. The state places #18 of 56 state-level entries for this hazard. Its share of the state loss mix is 4.9%. These comparisons describe modeled losses rather than future events.

For heat waves, Chatham County, GA contributes 6.6% of the state hazard total. The next county, Gwinnett County, GA, contributes about $4.9 million annually, compared with $6.4 million for the leader. Across Georgia, 159 county records have a positive modeled estimate for this hazard. The remaining counties together account for about $85.5 million after those two leading estimates. The state places #19 of 56 state-level entries for this hazard. Its share of the state loss mix is 2.9%. These comparisons describe modeled losses rather than future events.

Georgia hazard totals and county comparisons

Georgia hazard totals combine the county estimates. The largest county column identifies concentration within each hazard; the state rank compares the same hazard across state-level entries.

Georgia county loss totals

Georgia population, values and ratings

Population

10,695,030

Building value

$2,238.13 billion

Agricultural value

$12.33 billion

Modeled loss per resident

$313

Georgia county pages

Georgia has 1 detailed county page linked below.

• Fulton County, GA: county detail

US county comparisons alongside Georgia