Flood insurance claims in Towns County, Georgia

FEMA records 31 National Flood Insurance Program claims in Towns County, Georgia, since 1998, with $240,889 paid in total. The year with the most claims was 2018, with 8. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 16.5% of homes in the high-risk flood zone did.

NFIP claims on record31

Total paid$240,889

Claims with a payment26

Homes with NFIP policy0.8%

High-risk zone homes insured16.5%

Residential policies in force66

Claims by year of loss

NFIP claims by year of loss, Towns County, Georgia

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Zeta	5
Tropical Storm Ivan	5
Tropical Storm Fred	4
Early winter storms	2
Late summer storms	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
30546	30
30582	1

24 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $235,473, contents $5,416, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	249	41	16.5%
All homes	8,405	66	0.8%

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

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.