Flood Claims Map

Georgia

Flood insurance claims in Gilmer County, Georgia

FEMA records 199 National Flood Insurance Program claims in Gilmer County, Georgia, since 1990, with $5.2 million paid in total. The year with the most claims was 2004, with 62. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 22.7% of homes in the high-risk flood zone did.

NFIP claims on record199
Total paid$5.2 million
Claims with a payment155
Homes with NFIP policy1.2%
High-risk zone homes insured22.7%
Residential policies in force207

Claims by year of loss

1990: 1219901991: 01992: 01993: 019931994: 11995: 11996: 819961997: 01998: 01999: 019992000: 02001: 02002: 020022003: 102004: 622005: 020052006: 02007: 02008: 020082009: 02010: 02011: 020112012: 12013: 292014: 020142015: 552016: 12017: 020172018: 12019: 02020: 220202021: 82022: 02023: 120232024: 22025: 32026: 2202662

NFIP claims by year of loss, Gilmer County, Georgia

1990: $177,61019901991: $01992: $01993: $019931994: $01995: $01996: $47,44019961997: $01998: $01999: $019992000: $02001: $02002: $020022003: $132,2172004: $2.6 million2005: $020052006: $02007: $02008: $020082009: $02010: $02011: $020112012: $02013: $1.3 million2014: $020142015: $760,1792016: $02017: $020172018: $02019: $02020: $36,04520202021: $92,4702022: $02023: $020232024: $12,4902025: $16,9032026: $34,5492026$2.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Ivan61
Early winter storms48
Tropical Storm Alberto1

ZIP codes with the most claims

ZIP code (as reported)Claims
30540119
3053666
305226
301754
305393
310881

141 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.6 million, contents $601,563, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone70616022.7%
All homes17,3982071.2%

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

  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.