Flood insurance claims in Grady County, Georgia

FEMA records 13 National Flood Insurance Program claims in Grady County, Georgia, since 1985, with $167,999 paid in total. The most claims in one year was 2, reached in 4 different years. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 8.1% of homes in the high-risk flood zone did.

NFIP claims on record13

Total paid$167,999

Claims with a payment9

Homes with NFIP policy0.1%

High-risk zone homes insured8.1%

Residential policies in force13

Claims by year of loss

NFIP claims by year of loss, Grady County, Georgia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Mid-spring storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
39828	6
31779	4
31728	3

5 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $137,254, contents $30,745, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	111	9	8.1%
All homes	11,828	13	0.1%

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.