Flood insurance claims in Fayette County, Georgia

FEMA records 163 National Flood Insurance Program claims in Fayette County, Georgia, since 1980, with $1.9 million paid in total. The year with the most claims was 2005, with 32. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 28.6% of homes in the high-risk flood zone did.

NFIP claims on record163

Total paid$1.9 million

Claims with a payment101

Homes with NFIP policy1.1%

High-risk zone homes insured28.6%

Residential policies in force421

Claims by year of loss

NFIP claims by year of loss, Fayette County, Georgia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Dennis	18
Tropical Storm Alberto	11
Hurricane Helene	7
Flooding	5
Early winter storms	3
Hurricane Irma	3
Hurricane Milton	1
Tropical Storm Ivan	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
30269	86
30214	36
30215	29
30290	11
30296	1

69 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $1.7 million, contents $210,429, increased cost of compliance $28,900.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	615	176	28.6%
All homes	40,077	421	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.