Fulton County, GA flood risk and natural hazards
FEMA rates none of the 7 reviewed hazards as Very High in Fulton County, GA. Modeled losses from natural hazards (expected annual loss) average about $235 million a year, for a population of 1,065,539. These county figures come from the FEMA National Risk Index, December 2025 release. Observation windows vary by metric and sit beside the tables below.
- Modeled expected annual loss
- $234.6 million / year
- US loss rank
- #111 of 3,232
- State loss rank
- #2 of 159
- Loss per resident
- $220 · state $313 · US $459
- FEMA overall risk rating
- Relatively High
Georgia county modeled loss
- Positive estimates to $3.9 million
- Above $3.9 million to $7.5 million
- Above $7.5 million to $12.1 million
- Above $12.1 million to $27.7 million
- Above $27.7 million to $276.7 million
- No FEMA estimate
Fulton County, GA ranks #2 of 159 in the state for modeled expected annual loss; the outline locates it.
View chart data
Is Fulton County at risk of flooding?
FEMA labels riverine flooding Relatively High and coastal flooding Not Applicable. Modeled annual riverine flood loss is $164,287,682; coastal flood loss is Not Applicable. These are separate hazards and county totals. A rating describes relative county risk. It does not locate water at a building or establish a flood zone. Read missing statuses using the source documentation. Keep both source labels when comparing counties. Read the county rating versus flood-zone guide before requesting a location check.
Look up an address and its flood zone through FEMA’s Flood Map Service Center.
The local hazard planning document is Fulton County Multi-Jurisdictional Hazard Mitigation Plan. Local governments use this plan to set out hazards and proposed projects.
What natural hazards affect Fulton County most?
Show tabular data
| County | Modeled expected annual loss (USD/year) | Overall risk rating |
|---|---|---|
| Fulton County, GA | 234,593,790.73 | Relatively High |
Show tabular data
| Hazard | Source label | Observation window |
|---|---|---|
| Coastal flooding | Not Applicable | 1996-2023 |
| Riverine flooding | Relatively High | 1996-2023 |
| Hurricane | Relatively Low | 1851-2024 |
| Wildfire | Very Low | 1996-2023 |
| Earthquake | Relatively Moderate | 1996-2023 |
| Tornado | Relatively High | 1950-2023 |
| Heat wave | Relatively Moderate | 2005-2024 |
How have heat and rain changed in Fulton County?
Hot days
Hot days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 15.80 |
| 2016–2025 | 22.60 |
Warm nights
Warm nights have the same mean in both decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 0.60 |
| 2016–2025 | 0.60 |
Heavy-precipitation days
Heavy-precipitation days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 1.00 |
| 2016–2025 | 1.50 |
Humid-heat days
Humid-heat days decreased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 2.40 |
| 2016–2025 | 1.10 |
| Measure | 1991–2000 | 2016–2025 | Change |
|---|---|---|---|
| Hot days · ≥35°C (95°F) | 15.8 | 22.6 | +6.8 |
| Humid-heat days · heat index ≥103°F (39.4°C) | 2.4 | 1.1 | −1.3 |
| Warm nights · ≥24°C (75.2°F) | 0.6 | 0.6 | 0.0 |
| Heavy-rain days · ≥50 mm (≈2 in) | 1.0 | 1.5 | +0.5 |
| Annual maximum daily precipitation · mm | 55.4 | 65.7 | +10.3 |
Counts are days per year; a grid-cell zero does not mean the county had no such events. Thresholds, time bases and limits: county climate method.
Methodology & sensor cross-check notes
Hot-day cross-check: NOAA’s county-average daily maximum temperature gives 5.4 → 4.8 hot days a year (−0.6); NASA gives 15.8 → 22.6 (+6.8). The series disagree: NASA shows an increase, while NOAA shows a decrease. The footprints differ, so agreement does not validate either count. Warm nights and precipitation were not cross-checked. Humid-heat row: Copernicus (ECMWF) reanalysis. It uses a different regional grid from the NASA measures.
No statistical significance, cause or future trend is established; this does not change the FEMA ratings above.
Climate data: NASA · Population context: US Census Bureau · Hot-day cross-check: NOAA county climate records · Humid heat: Copernicus (ECMWF). Method, sources and limitations · Climate JSON · Data credits.
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direction"}}How does El Niño affect Fulton County winters?
Strong El Niño winter precipitation
7 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.
View chart data
| Winter | Precipitation (% of normal) |
|---|---|
| 1957–58 | 91.209 |
| 1965–66 | 110.645 |
| 1972–73 | 127.258 |
| 1982–83 | 105.834 |
| 1991–92 | 90.036 |
| 1997–98 | 126.382 |
| 2009–10 | 124.503 |
| 2015–16 | 157.565 |
| 2023–24 | 105.445 |
NOAA and IRI both give 100% odds that El Niño conditions (tropical Pacific ONI of at least 0.5°C, not a local weather forecast) are present this winter. In Fulton County, 7 of 9 past strong El Niño winters were wetter than normal; the median winter had 111% of normal precipitation (rain and melted snow). The driest, 1991–92, had 90%.
| Winter | ONI | Precipitation | Temp. | Heavy days | Claims |
|---|---|---|---|---|---|
| 1957–58 | 1.7 | 91% | −2.7°F | 7 | — |
| 1965–66 | 1.6 | 111% | −1.2°F | 5 | — |
| 1972–73 | 1.8 | 127% | +0.5°F | 8 | — |
| 1982–83 | 2.1 | 106% | +0.5°F | 5 | 4 (#20) |
| 1991–92 | 1.5 | 90% | +2.4°F | 3 | 2 (#26) |
| 1997–98 | 2.4 | 126% | +0.7°F | 4 | 5 (#15) |
| 2009–10 | 1.5 | 125% | −5.7°F | 8 | 11 (#7) |
| 2015–16 | 2.6 | 158% | +2.1°F | 10 | 53 (#2) |
| 2023–24 | 2.0 | 105% | +0.6°F | 7 | 5 (#15) |
Winter normals and temperature baseline
Fulton County normals, 1990–91 to 2019–20 winters: 14.4 inches of precipitation (rain and melted snow) and 4.1 heavy days. Temperature is set against the county’s own winter trend of +0.7°F per decade since 1951–52.
Flood claims: December–February, from 1978 (— = before the data). The rank compares each winter with all 47 winters from 1978–79 to 2024–25 (#1 is the most claims; no rank is shown for 0 claims). The median winter had 3 claims; 5 of 6 strong winters in the data were above it. Insured exposure grew over time, so counts are not comparable across decades.
Past tendency is not a forecast and not a property-level finding. Before winter: four checks for property teams.
Sources: NOAA county climate records and Pacific climate assessments; FEMA National Flood Insurance Program claims. Method and limits · El Niño 2026–27.
What are the modeled losses by hazard?
From 1991–2000 to 2016–2025, hot days near Fulton County changed from 15.8 to 22.6 per year. Heavy-rain days changed from 1.0 to 1.5. The table retains humid heat, warm nights and maximum daily rain. Compare the periods alongside the source notes. These decade means describe past conditions; they do not predict a future year or establish a trend.
Fulton County’s modeled loss across all hazards is $234,593,791 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.
Show tabular data
| Hazard | Total loss ($/yr) | Of which buildings ($/yr) | Observation window |
|---|---|---|---|
| All hazards (composite) | $234,593,791 | $200,022,034 | 1996-2023 |
| Riverine flooding | $164,287,682 | $164,084,590 | 1996-2023 |
| Earthquake | $22,145,971 | $15,727,578 | 1996-2023 |
| Tornado | $21,710,611 | $12,809,777 | 1950-2023 |
| Heat wave | $4,561,331 | Not published | 2005-2024 |
| Hurricane | $1,146,456 | $1,096,748 | 1851-2024 |
| Wildfire | $64,551 | $57,490 | 1996-2023 |
| Coastal flooding | Not available | Not available | 1996-2023 |
These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.
Reuse this chart

What is exposed in Fulton County?
Population and asset values show the scale behind county losses. These county totals are exposure measures, not loss figures.
Show tabular data
| Measure | Value | Observation window |
|---|---|---|
| Resident population | 1,065,539 | 2020-2020 |
| Building replacement value | $260,158,545,317 | 2020-2020 |
| Agricultural market value | $2,924,022 | 2022-2022 |
What do vulnerability and resilience show?
These relative rankings describe susceptibility to hazard impacts and capacity to recover. They measure no individual asset or outcome.
Show tabular data
| Measure | Score | Observation window |
|---|---|---|
| Social vulnerability index | 19.7 | 2020-2020 |
| Community resilience index | 76.4 | 2020-2020 |
Fulton County in the state and national rankings
Fulton County has about $234.6 million in modeled expected annual loss, ranking #111 of 3,232 nationally. A #2 of 159 state ranking accompanies its 7.0% share of the Georgia loss total. About $234.6 million is the modeled yearly average over the long run, rather than a one-year prediction. The next higher national total is about $237.4 million, in Baldwin County, AL. Douglas County, NE ranks immediately below it, with about $233.9 million in modeled annual loss. The nearest higher state total is about $276.7 million, recorded for Chatham County, GA. About $42.2 million separates those two estimates, and the other county’s state loss share is 8.3%. The next lower total within Georgia belongs to Gwinnett County, GA, at about $211.5 million. About $23.1 million separates those two estimates, and the other county’s state loss share is 6.3%.
County hazard loss mix
Riverine Flood leads the modeled expected annual loss mix; bar lengths share a zero baseline.
View chart data
| Hazard | USD / year | Share |
|---|---|---|
| Riverine Flood | 164,287,681.68 | 70.0% |
| Earthquake | 22,145,971.49 | 9.4% |
| Tornado | 21,710,610.76 | 9.3% |
| Cold Wave | 8,189,917.83 | 3.5% |
| Heat Wave | 4,561,330.92 | 1.9% |
| Hail | 4,074,431.33 | 1.7% |
| Other | 9,623,846.71 | 4.1% |
National hazard loss ranks
Riverine Flood ranks #58 of 3,232 by modeled expected annual loss. Higher percentiles mean larger modeled losses.
View chart data
| Hazard | Rank | Percentile |
|---|---|---|
| Riverine Flood | #58 of 3,232 US · #1 of 159 in GA | 98.24 |
| Earthquake | #120 of 3,232 US · #1 of 159 in GA | 96.32 |
| Tornado | #81 of 3,225 US · #3 of 159 in GA | 97.52 |
| Cold Wave | #247 of 3,232 US · #4 of 159 in GA | 92.39 |
| Heat Wave | #217 of 3,202 US · #3 of 159 in GA | 93.25 |
| Hail | #111 of 3,225 US · #4 of 159 in GA | 96.59 |
Modeled loss per resident
Fulton has about $220 in modeled expected annual loss per resident. State and US values divide total loss by total population.
View chart data
| Place | USD / resident / year |
|---|---|
| Fulton | 220.16 |
| Georgia | 312.78 |
| US | 459.35 |
Fulton County hazard estimates
Riverine Flood
For riverine flooding, about $164.3 million in expected annual loss puts the county #58 of 3,232 across the US. Its 70.0% share of total loss comes with a state loss rank of #1 of 159; FEMA assigns a Relatively High rating; the same rating for riverine flooding covers 4 Georgia counties and 186 across the US.
Earthquake
FEMA models about $22.1 million in expected annual loss from earthquakes, placing the county #120 of 3,232 nationally. At 9.4% of the county’s modeled loss, the hazard places #1 of 159 statewide; FEMA assigns a Relatively Moderate rating; the Relatively Moderate label covers 6 state counties and 250 nationally for earthquakes.
Tornado
For tornadoes, about $21.7 million in expected annual loss puts the county #81 of 3,225 across the US. Its 9.3% share of total loss comes with a state loss rank of #3 of 159; FEMA assigns a Relatively High rating, matching 272 US counties, including 13 in Georgia, for this hazard.
Cold Wave
The national loss rank for cold waves is #247 of 3,232, based on about $8.2 million in modeled expected annual loss. Its 3.5% share of total loss comes with a state loss rank of #4 of 159; FEMA assigns a Relatively High rating; the Relatively High label covers 6 state counties and 302 nationally for cold waves.
Heat Wave
The national loss rank for heat waves is #217 of 3,202, based on about $4.6 million in modeled expected annual loss. In Georgia, this estimate ranks #3 of 159 and represents 1.9% of the county’s modeled loss; FEMA assigns a Relatively Moderate rating; the Relatively Moderate label covers 14 state counties and 551 nationally for heat waves.
Hail
With about $4.1 million in modeled expected annual loss from hail, the county ranks #111 of 3,225 in the national comparison. At 1.7% of the county’s modeled loss, the hazard places #4 of 159 statewide; FEMA assigns a Relatively High rating; the Relatively High label covers 4 state counties and 166 nationally for hail.
The loss estimate for riverine flooding exceeds earthquakes by about $142.1 million, equivalent to 60.6 percentage points of total loss. For earthquakes, modeled loss is about $435,000 above tornadoes, leaving 0.2 percentage points between their county shares. About $13.5 million separates tornadoes from cold waves in the local estimates, equivalent to 5.8 percentage points of county loss. Between cold waves and heat waves, the modeled dollar gap is about $3.6 million; their shares differ by 1.5 percentage points. For heat waves, modeled loss is about $487,000 above hail, leaving 0.2 percentage points between their county shares.
Population and recorded values
FEMA counts 1,065,539 residents in Fulton County, across about 540 square miles. FEMA lists about $260.16 billion in building value. The recorded agricultural value is about $2.9 million. Total modeled loss averages about $220 per resident annually, compared with about $313 statewide. The county holds 10.0% of the state population, compared with 7.0% of modeled loss. Buildings account for 11.6% of recorded Georgia building value. Its population density ranks 5 within 159 Georgia counties that have both area and population estimates. The population-to-area ratio is about 1,974 residents per square mile; statewide it is about 178. The median county population in Georgia is about 22,744, compared with 1,065,539 locally. National modeled loss includes a 0.2% contribution from the county, whose residents make up 0.3% of the US source population. The county’s about $220 per resident compares with about $459 nationally in modeled annual loss. The six hazards described above together make up 95.9% of modeled loss, about $225.0 million annually. Other hazards account for the remaining 4.1% of modeled loss, about $9.6 million. About $3.9 million places lightning at number 7 in the local loss list and #2 of 159 within Georgia. Nationally, this estimate places #41 of 3,222; its share of the county’s modeled loss is 1.7%. In position 8 locally, strong wind has about $3.1 million in modeled annual loss, ranking #3 of 159 statewide. With 1.3% of county loss, this hazard has national placement #176 of 3,225.
FEMA labels and risk score
Fulton County has a FEMA risk index score of about 95.8, ranking #133 of 3,144 nationally. For risk index, FEMA assigns Relatively High; 4 counties in Georgia have that label. The expected annual loss rating is Relatively High, a label shared by 4 of 159 Georgia counties. Among 159 Georgia counties, 26 receive the same Very Low label for social vulnerability. FEMA labels community resilience as Relatively High, matching 15 county records across Georgia. Within Georgia, the risk score places #2 of 159 and the dollar loss places #2 of 159. Within Georgia, 8 counties share both labels: Very Low vulnerability and Relatively High resilience. This county accounts for 51.6% of that group’s annual loss, while the group accounts for 13.6% across Georgia. Chatham County, GA is next above it by state risk score, at about 97.4; that record ranks #1 of 159. FEMA gives that county a Relatively High risk index label, alongside 8.3% of the state loss total. On the state risk-score list, Gwinnett County, GA sits immediately below, scoring about 95.4 and ranking #3 of 159. FEMA gives that county a Relatively High risk index label, alongside 6.3% of the state loss total. Across the US, this social vulnerability category, Very Low, covers 23.7% of residents in 625 counties. Across the US, this community resilience category, Relatively High, covers 24.5% of residents in 629 counties. Across the county’s hazard ratings, 1 carry Very High: lightning. FEMA assigns Relatively High to 6 hazards here, covering cold waves, hail, ice storms, riverine flooding, strong wind, tornadoes. FEMA assigns Relatively Moderate to 4 hazards here, covering earthquakes, heat waves, landslides, winter weather. FEMA assigns Relatively Low to 1 hazard here, covering hurricanes. The county’s Very Low group contains 1 hazard: wildfires.
What else should I know about Fulton County?
What does FEMA estimate for earthquakes in Fulton County?
Fulton County has about $22.1 million in modeled expected annual loss from earthquakes, with a Relatively Moderate rating.
What does FEMA estimate for riverine flooding in Fulton County?
Fulton County has about $164.3 million in modeled expected annual loss from riverine flooding, with a Relatively High rating.
What does FEMA estimate for hurricanes in Fulton County?
For hurricanes, FEMA lists Fulton County at Relatively Low, with about $1.1 million in modeled expected annual loss.
What is the FEMA risk index rating for Fulton County?
FEMA assigns Fulton County a Relatively High risk index rating.
What share of state loss belongs to Fulton County?
Fulton County accounts for 7.0% of Georgia modeled expected annual loss.
What does FEMA estimate for winter weather in Fulton County?
Fulton County has about $171,000 in modeled expected annual loss from winter weather, with a Relatively Moderate rating.
What does FEMA estimate for cold waves in Fulton County?
For cold waves, FEMA lists Fulton County at Relatively High, with about $8.2 million in modeled expected annual loss.
Where next for Fulton County?
See how the county compares across the state in Georgia natural hazard risk by county, download the FEMA county hazard data, or review the county climate risk data API and bulk files. Check the sources and what each measure can show on the methodology page.