Flood Claims Map

Georgia

Flood insurance claims in Effingham County, Georgia

FEMA records 77 National Flood Insurance Program claims in Effingham County, Georgia, since 1990, with $1.1 million paid in total. The year with the most claims was 2024, with 32. As of 3 August 2026, 3.0% of homes here had an NFIP policy, and 39.8% of homes in the high-risk flood zone did.

NFIP claims on record77
Total paid$1.1 million
Claims with a payment56
Homes with NFIP policy3.0%
High-risk zone homes insured39.8%
Residential policies in force717

Claims by year of loss

1990: 119901991: 01992: 01993: 119931994: 31995: 61996: 119961997: 01998: 51999: 219992000: 02001: 12002: 120022003: 12004: 02005: 220052006: 02007: 02008: 020082009: 12010: 02011: 020112012: 12013: 02014: 220142015: 02016: 52017: 120172018: 02019: 52020: 620202021: 02022: 02023: 020232024: 3232

NFIP claims by year of loss, Effingham County, Georgia

1990: $019901991: $01992: $01993: $37719931994: $52,0921995: $68,5851996: $10,21019961997: $01998: $17,9401999: $13,93019992000: $02001: $4,4942002: $2,82720022003: $02004: $02005: $020052006: $02007: $02008: $020082009: $5412010: $02011: $020112012: $3,6812013: $02014: $45720142015: $02016: $22,5262017: $35,31520172018: $02019: $78,5282020: $25,44620202021: $02022: $02023: $020232024: $802,146$802,146

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Debby27
Flooding7
Hurricane Matthew5
Hurricane Eta1
Hurricane Helene1
Hurricane Irma1

ZIP codes with the most claims

ZIP code (as reported)Claims
3132623
3130217
3130714
3131212
313298
314192
313181

46 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $996,051, contents $143,045, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone81032239.8%
All homes24,2197173.0%

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.