Flood Claims Map

Georgia

Flood insurance claims in Muscogee County, Georgia

FEMA records 243 National Flood Insurance Program claims in Muscogee County, Georgia, since 1978, with $2.3 million paid in total. The year with the most claims was 1990, with 35. As of 3 August 2026, 0.8% of homes here had an NFIP policy.

NFIP claims on record243
Total paid$2.3 million
Claims with a payment141
Homes with NFIP policy0.8%
High-risk zone homes insuredn/a
Residential policies in force472

Claims by year of loss

1978: 1319781979: 131980: 11981: 141982: 519821983: 31984: 21985: 31986: 119861987: 11988: 01989: 01990: 3519901991: 101992: 21993: 01994: 219941995: 21996: 11997: 21998: 519981999: 12000: 02001: 12002: 020022003: 42004: 32005: 72006: 320062007: 12008: 12009: 142010: 220102011: 12012: 12013: 192014: 320142015: 212016: 22017: 82018: 520182019: 02020: 92021: 12022: 220222023: 82024: 72025: 32026: 1202635

NFIP claims by year of loss, Muscogee County, Georgia

1978: $5,66319781979: $37,1391980: $01981: $35,6771982: $7,32819821983: $1,0131984: $1,9681985: $42,6951986: $019861987: $01988: $01989: $01990: $158,32919901991: $32,9691992: $01993: $01994: $019941995: $01996: $7811997: $01998: $7,54119981999: $1,0372000: $02001: $5162002: $020022003: $72,6132004: $02005: $130,3152006: $28,67920062007: $02008: $3,4792009: $135,9492010: $020102011: $02012: $02013: $425,9612014: $12,49320142015: $327,7242016: $76,4462017: $43,4062018: $166,38320182019: $02020: $241,1032021: $15,5672022: $4,02120222023: $258,6352024: $54,5142025: $02026: $02026$425,961

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

Named flood events with the most claims

Event (FEMA name)Claims
Early winter storms20
Hurricane Helene3
Flooding2
Late summer storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
3190772
3190654
3190939
3190328
3190426
3190110
318294
318203
319023
319142

121 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.1 million, contents $264,967, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0287n/a
All homes60,4804720.8%

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.