Enter any address in Lumpkin County, Georgia to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood character in Lumpkin County. Over the past 30 years, NOAA Storm Events data shows Tropical Storms (15 events) and Flash Floods (13 events) as the most frequent occurrences. Recent events include significant rainfall from Hurricane Helene in September 2024, which brought widespread totals of 6 to 14 inches to north and central Georgia. Additionally, heavy rainfall of 2.5 to 8 inches caused flooding across north Georgia in March 2021.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced 14 claims with an average payout of $8,411, though with an average water depth of 0.0 feet. One claim was recorded in Zone X, with a higher average payout of $19,991 and an average water depth of 1.0 foot. Homeowners in Zone A, as well as those in Zone X, should pay close 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.
Lumpkin County, Georgia has recorded 32 flood-related events since 1996 according to NOAA's Storm Events Database, including 13 flash floods and 1 river or area floods. The county has received 23 federal disaster declarations, 1 of which involved flooding or coastal storms. 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 Winter Storm | Severe Ice Storm | Feb 15, 2015 |
| Severe Winter Storm | Severe Ice Storm | Feb 10, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 27, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Tropical Storm | Sep 27, 2024 | 0.00K |
| Tropical Storm | Sep 26, 2024 | 1.00K |
| Flash Flood | Mar 26, 2021 | 0.00K |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | Oct 10, 2020 | 10.00K |
| Flash Flood | Oct 30, 2019 | 15.00K |
| Flash Flood | Dec 28, 2018 | 0.00K |
| Flash Flood | Jul 21, 2018 | 15.00K |
| Tropical Storm | Sep 11, 2017 | 375.00K |
| Tropical Storm | Sep 4, 2011 | 0.00K |
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 i...
Tropical Storm — Sep 26, 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 i...
Flash Flood — Mar 26, 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 — Oct 10, 2020
During the afternoon and evening of October 10th, as the remnants of Hurricane Delta passed northwest of Georgia, moisture from the Gulf of Mexico spread across the area. Several weak tornadoes occurred in north and central Georgia in addition to pockets of heavy rainfall and flooding across the Atlanta metropolitan area and portions of northeast Georgia.
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 Lumpkin 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 Lumpkin 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.