38 flood insurance claims·$461,496 paid·2 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Coweta County, Georgia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding and tropical storm impacts dominate the flood character of Coweta County, supported by NOAA Storm Events Database records showing 21 flash flood events, 17 tropical storm events, 11 standard flood events, and 3 hurricane events over the last 30 years. Recent impacts include Tropical Storm Helene in September 2024, which brought wind gusts between 50 and 100 mph and widespread rainfall totals between 6 and 14 inches across north and central Georgia due to prolonged heavy rain.
Federal Emergency Management Agency claim data indicates that flood risks extend across multiple zones. Zone X leads with 28 claims averaging a $19,929 payout and an average recorded water depth of 32 inches. Zone A accounts for 6 claims with an average $20,304 payout and an average recorded water depth of 6 inches. Additionally, Zone X_UNSHADED recorded 2 claims with an average payout of $38,717 and an average recorded water depth of 12 inches, while Zone UNKNOWN recorded 2 claims averaging a $1,196 payout with an average water depth of 1 inch.
Homeowners and real estate agents in Coweta County should pay close attention to properties in both shaded and unshaded Zone X areas, which have experienced significant average water depths and claim payouts, as well as properties located within designated Zone A flood zones.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 22 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2005, with 5 claims and $114,534 paid, the year of Hurricane Katrina Evacuation.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
16 NOAA storm reports from Coweta County describe what happened, in the words of the forecasters who covered it. Read the Georgia flood stories →
15 federal disaster declarations since 1977, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Sep 24, 2024 |
| Severe Storms And Tornadoes | Mar 25, 2021 |
| Hurricane Irma | Sep 7, 2017 |
| Severe Winter Storm | Feb 10, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Apr 27, 2011 |
| Severe Storms And Flooding | Sep 18, 2009 |
| Hurricane Katrina Evacuation | Aug 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
52 since 1996: 21 flash floods and 11 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Tropical Storm | Sep 27, 2024 | $1,000 |
| Tropical Storm | Sep 27, 2024 | — |
| Flash Flood | Dec 30, 2021 | — |
| Flash Flood | May 4, 2021 | — |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | Aug 2, 2018 | — |
| Tropical Storm | Sep 11, 2017 | $200,000 |
| Flash Flood | May 31, 2015 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Tropical Storm · Sep 27, 2024. Hurricane Helene made landfall as a Category 4 hurricane in the Big Bend region of Florida at 11 PM EDT. Helene moved quickly inland bringing wind gusts between 50 and 100 mph to portions of east and central Georgia. Widespread rainfall totals between 6 and 14 inches were observed in association with Helene across north and central Georgia. The highest rainfall amounts were primarily observed in portions of east-c…
Flash Flood · Dec 30, 2021. Within an unseasonably warm and moist low-level environment, a strong southwest upper level flow with an intense mid-level shortwave ejecting across the Central Plains/Midwest regions resulted in a line of strong to severe thunderstorms (along with heavy rain) across north Georgia during the evening and overnight hours of 29-30 December 2021. The remnant boundary/front settled over central Georgia during the after…
Flash Flood · May 4, 2021. A series of upper-level short waves moved across the region in persistent, southwesterly upper-level flow combined with moderate instability and shear to produce several rounds of strong to severe thunderstorms across north and central Georgia. Some of these storms dumped 2 to 4 inches of rain over the area, resulting in isolated flash flooding.
Tropical Storm · Oct 28, 2020. During the late evening of October 28th through the morning of October 29th, Tropical Storm Zeta swept rapidly across north Georgia producing widespread wind damage and isolated flooding across north and portions of central Georgia. Around 1.5 million customers lost electricity for some period of time, some for several days.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Coweta County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.