Flood insurance claims in Cherokee County, Georgia

FEMA records 73 National Flood Insurance Program claims in Cherokee County, Georgia, since 1990, with $5.6 million paid in total. The year with the most claims was 2009, with 39. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 34.2% of homes in the high-risk flood zone did.

NFIP claims on record73

Total paid$5.6 million

Claims with a payment47

Homes with NFIP policy0.2%

High-risk zone homes insured34.2%

Residential policies in force212

Claims by year of loss

NFIP claims by year of loss, Cherokee County, Georgia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Late summer storms	35
Tropical Storm Ivan	3
Tropical Storm Fred	1
Hurricane Dennis	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
30188	31
30114	15
30102	9
30115	6
30189	6
30075	4
30107	1
30062	1

25 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.5 million, contents $1.1 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	187	64	34.2%
All homes	88,262	212	0.2%

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.