Flood insurance claims in Appling County, Georgia

FEMA records 28 National Flood Insurance Program claims in Appling County, Georgia, since 1998, with $561,106 paid in total. The year with the most claims was 2023, with 6. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 14.2% of homes in the high-risk flood zone did.

NFIP claims on record28

Total paid$561,106

Claims with a payment22

Homes with NFIP policy1.1%

High-risk zone homes insured14.2%

Residential policies in force98

Claims by year of loss

NFIP claims by year of loss, Appling County, Georgia

Paid on claims by year of loss (building, contents and increased cost of compliance), Appling County, Georgia

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Idalia	5
Tropical Storm Ivan	1
Hurricane Helene	1
Hurricane Irma	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
31513	26
31563	1
31529	1

15 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $500,613, contents $60,493, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	508	72	14.2%
All homes	8,711	98	1.1%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.