Flood insurance claims in Charlton County, Georgia

FEMA records 39 National Flood Insurance Program claims in Charlton County, Georgia, since 1996, with $1.2 million paid in total. The year with the most claims was 2012, with 13. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 13.0% of homes in the high-risk flood zone did.

NFIP claims on record39

Total paid$1.2 million

Claims with a payment34

Homes with NFIP policy0.6%

High-risk zone homes insured13.0%

Residential policies in force28

Claims by year of loss

NFIP claims by year of loss, Charlton County, Georgia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Irma	3
Hurricane Debby	2
Tropical Storm Ivan	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
31562	19
31537	11
31646	6
31527	3

27 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $885,130, contents $246,182, increased cost of compliance $83,756.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	100	13	13.0%
All homes	4,572	28	0.6%

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.