Enter any address in Fannin County, Georgia to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Fannin County, with 22 occurrences recorded in the last 30 years. Tropical storms have also contributed, with 13 events noted. Recent flash flooding events include August 29, 2023, associated with significant tropical moisture, and March 25, 2021, which brought 2.5 to 8 inches of rain to the region.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced the highest number of claims, totaling 53 with an average payout of $9,526 and an average water depth of 1.9 feet. Properties in Zone X have seen fewer claims, 14, but with a higher average payout of $9,798 and an average water depth of 7.2 feet. One claim in Zone X_Unshaded resulted in a payout of $30,734 with an average water depth of 2.0 feet.
Homeowners in areas designated as Zone A, and those in Zone X with higher average water depths, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
13 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Fannin County, Georgia has recorded 39 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 1 river or area floods. The county has received 18 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1974–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Tropical Storm | Sep 24, 2024 |
| Severe Storms And Tornadoes | Severe Storm | Mar 25, 2021 |
| Tropical Storm Zeta | Hurricane | Oct 29, 2020 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Hurricane Irma | Hurricane | Sep 7, 2017 |
| Severe Storms And Flooding | Severe Storm | Dec 22, 2015 |
| Severe Winter Storm | Severe Ice Storm | Feb 10, 2014 |
| Hurricane Katrina Evacuation | Hurricane | Aug 27, 2005 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Aug 29, 2023 | 0.00K |
| Flash Flood | Mar 25, 2021 | 40.00K |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | Feb 6, 2020 | 0.00K |
| Flash Flood | Feb 6, 2020 | 30.00K |
| Tropical Storm | Sep 11, 2017 | — |
| Flash Flood | Dec 24, 2015 | 234.00K |
| Flash Flood | Aug 20, 2014 | 2.00K |
| Flash Flood | Apr 17, 2013 | 250.00K |
| Tropical Storm | Sep 4, 2011 | 0.00K |
Flash Flood — Aug 29, 2023
Thunderstorms formed along a stationary boundary located draped across west-central and northwest GA on the 28th and 29th. Significant tropical moisture ahead of Hurricane Idalia led to several thunderstorms becoming strong to severe. The main hazards included damaging winds and torrential rainfall.
Flash Flood — Mar 25, 2021
A very moist and moderately unstable airmass over the region combined with strong shear and persistent southwesterly mid and upper flow produced numerous showers and thunderstorms across north and parts of central Georgia through the day on the 25th into the morning of the 26th. Numerous reports of flooding were received with several reports of severe thunderstorms and a few isolated tornadoes....
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.
Flash Flood — Feb 6, 2020
Prolonged heavy rain continued through early February, with another round of enhanced rainfall impacting the area February 10th and 11th. Rainfall amounts of 2 to 5 inches fell over north Georgia, compounding the 3 to 6 inches that occurred the week prior. Widespread flash and river flooding developed over the area, with numerous reports received from the Emergency Management community and the ...
Flash Flood — Feb 6, 2020
A line of thunderstorms ahead of a strong cold front moved into northwest Georgia in the pre-dawn hours and swept across north and central Georgia through the morning into the afternoon producing numerous reports of damaging thunderstorm winds and an isolated tornado. Storms along the front also produced heavy rainfall, ranging from 1.5 to 4 inches, with higher amounts up to 6 inches, particula...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Fannin County, Georgia:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Fannin County, Georgia that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.