Flood Claims Map

Georgia

Flood insurance claims in Decatur County, Georgia

FEMA records 204 National Flood Insurance Program claims in Decatur County, Georgia, since 1978, with $4.8 million paid in total. The year with the most claims was 1994, with 101. As of 3 August 2026, 1.5% of homes here had an NFIP policy, and 25.6% of homes in the high-risk flood zone did.

NFIP claims on record204
Total paid$4.8 million
Claims with a payment169
Homes with NFIP policy1.5%
High-risk zone homes insured25.6%
Residential policies in force197

Claims by year of loss

1978: 119781979: 01980: 01981: 01982: 019821983: 11984: 11985: 01986: 019861987: 01988: 01989: 01990: 119901991: 01992: 01993: 01994: 10119941995: 01996: 01997: 11998: 5719981999: 02000: 02001: 02002: 020022003: 02004: 02005: 52006: 020062007: 02008: 32009: 192010: 120102011: 02012: 02013: 32014: 020142015: 22016: 22017: 02018: 220182019: 12020: 12021: 2101

NFIP claims by year of loss, Decatur County, Georgia

1978: $3,31119781979: $01980: $01981: $01982: $019821983: $01984: $2,1711985: $01986: $019861987: $01988: $01989: $01990: $5,27819901991: $01992: $01993: $01994: $2.9 million19941995: $01996: $01997: $01998: $1.3 million19981999: $02000: $02001: $02002: $020022003: $02004: $02005: $22,6852006: $020062007: $02008: $120,8322009: $375,3332010: $020102011: $02012: $02013: $24,9732014: $020142015: $02016: $41,4072017: $02018: $020182019: $02020: $18,9152021: $2,787$2.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Alberto68
Flooding55
Hurricane Michael1

ZIP codes with the most claims

ZIP code (as reported)Claims
31717129
3981744
3981923
398253
317252
317302

150 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.4 million, contents $378,354, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone63416225.6%
All homes12,8661971.5%

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

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

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.