1 flood insurance claims·$0 paid·3 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 Hart 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 general riverine flooding drive the flood risk profile in Hart County, Georgia, backed by frequent heavy rainfall events and tropical systems over the last 30 years. NOAA storm records document significant weather impacts, including a slow-moving frontal system in February 2020 that brought 3 to 6 inches of rainfall and subsequent flash flooding. Tropical systems also pose a direct threat to the area, as demonstrated by Tropical Storm Zeta in October 2020, which produced wind gusts up to 60 mph and downed numerous trees across northeast Georgia, and Tropical Storm Helene in September 2024, which generated a predecessor band of widespread heavy rain showers and thunderstorms.
Federal Emergency Management Agency records show limited National Flood Insurance Program claims history for the area, with a single recorded claim in Zone X unshaded averaging $0 in payouts and an average of 1 inch of recorded water depth. Given this risk profile, homeowners, real estate agents, and journalists should pay the closest attention to properties located within unshaded Zone X areas and zones lacking established base flood elevations, where localized heavy rain rates and tropical moisture can still produce unexpected water accumulation.
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 1 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.
4 NOAA storm reports from Hart County describe what happened, in the words of the forecasters who covered it. Read the Georgia flood stories →
14 federal disaster declarations since 1977, 3 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Sep 24, 2024 |
| Hurricane Irma | Sep 7, 2017 |
| Severe Winter Storm | Feb 15, 2015 |
| Severe Winter Storm | Feb 10, 2014 |
| Hurricane Katrina Evacuation | Aug 27, 2005 |
| Tropical Storm Frances | Sep 3, 2004 |
| Severe Winter Storm | Jan 22, 2000 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
18 since 1996: 9 flash floods and 7 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Tropical Storm | Sep 27, 2024 | $1.0M |
| Tropical Storm | Oct 29, 2020 | — |
| Flood | Feb 6, 2020 | $25,000 |
| Flash Flood | Feb 6, 2020 | $100,000 |
| Flash Flood | Jun 11, 2014 | — |
| Flash Flood | Jul 9, 2013 | — |
| Flash Flood | Dec 2, 2009 | — |
| Flash Flood | Jul 7, 2005 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Tropical Storm · Sep 27, 2024. Tropical Cyclone Helene began organizing over the western Caribbean on the 23rd and 24th of September before rapidly intensifying as it moved north through the eastern Gulf of Mexico on the 25th and 26th. A plume of moisture extending from the intensifying storm interacted with a slow-moving cold front to produce a band of widespread heavy rain showers and embedded scattered thunderstorms over the southern Appalac…
Tropical Storm · Oct 29, 2020. Tropical Storm Zeta moved quickly from near the mouth of the Mississippi River to the southern Appalachians during the night of the 28th into the morning of the 29th. This resulted in frequent wind gusts of 35 to 50 mph, with occasional gusts as high as 60 mph across northeast Georgia throughout the morning. Numerous trees were blown down across the area, with hundreds of downed trees reported in some counties. Mu…
Flood · Feb 6, 2020. Unusually high levels of moisture for early February combined with a slow-moving frontal system to produce an extended period of moderate to heavy rainfall across northeast Georgia from the morning of the 5th until the early morning hours of the 7th. Intense rain rates associated with bands of heavy rain showers and embedded thunderstorms developing along the front during the morning and afternoon of the 7th resul…
Flash Flood · Feb 6, 2020. Unusually high levels of moisture for early February combined with a slow-moving frontal system to produce an extended period of moderate to heavy rainfall across northeast Georgia from the morning of the 5th until the early morning hours of the 7th. Intense rain rates associated with bands of heavy rain showers and embedded thunderstorms developing along the front during the morning and afternoon of the 7th resul…
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 Hart 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.