Enter any address in Murray County, Georgia to see its FEMA flood zone
Flash flooding from intense thunderstorms is the most frequent flood event in Murray County, GA, with 16 such occurrences recorded in the last 30 years. Tropical storms have also contributed significantly, with 13 events noted. For example, Tropical Storm Zeta caused widespread damage and isolated flooding in October 2020, and heavy rainfall from thunderstorms led to flash flooding in May 2018.
While flash floods and tropical storms are common, other flood types like general floods and hurricanes have also impacted the area. National Flood Insurance Program (NFIP) data indicates that properties in Zone X have experienced the majority of claims, with an average payout of $13,825 and an average water depth of 4.9 feet. Properties in Zone A have also seen claims, though fewer in number.
Residents in areas designated as Zone A, as well as those in Zone X who have experienced flooding, should pay close attention to flood risk. Homeowners without a Base Flood Elevation (BFE) and those located near potential flash flood paths or areas affected by past tropical storm events are particularly advised to stay informed about flood potential.
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.
Murray County, Georgia has recorded 37 flood-related events since 1996 according to NOAA's Storm Events Database, including 16 flash floods and 6 river or area floods. The county has received 15 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 |
| 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 10, 2014 |
| Hurricane Katrina Evacuation | Hurricane | Aug 27, 2005 |
| Severe Storms And Flooding | Severe Storm | Feb 14, 1998 |
| Hurricane Opal | Hurricane | Oct 4, 1995 |
| Tornadoes, Flooding, And Severe Storms | Tornado | Mar 27, 1994 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Mar 25, 2021 | 0.00K |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | May 18, 2018 | 0.00K |
| Tropical Storm | Sep 11, 2017 | 10.00K |
| Flash Flood | Jun 4, 2017 | 3.00K |
| Flash Flood | Dec 25, 2015 | 2.00K |
| Flash Flood | Jun 2, 2015 | 2.00K |
| Tropical Storm | Sep 4, 2011 | 0.00K |
| Flash Flood | Aug 17, 2010 | 3.00K |
| Flood | Sep 26, 2009 | 5.00K |
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 — May 18, 2018
A moist, tropical air mass remained in place over the southeast region through mid May. Afternoon heating triggered showers and thunderstorms to develop, and residual boundaries over northwest Georgia provided a focus for training storms. As a result, rainfall amounts of 3 to 6 inches occurred in portions of northwest Georgia, with isolated amounts greater than 6 inches.
Tropical Storm — Sep 11, 2017
On the morning of August 30th Tropical Storm Irma developed rapidly over the eastern Atlantic Ocean, just west of the Cape Verde Islands. Tropical Irma quickly strengthened as it moved west, reaching hurricane strength by the morning of August 31st. Hurricane Irma continued to move steadily westward across the Atlantic Ocean, intensifying to category 4 storm on the Saffir-Simpson scale as it ap...
Flash Flood — Jun 4, 2017
Ample moisture from the Gulf of Mexico combined with a weak upper disturbance to produce heavy rainfall and flash flooding in northwest Georgia June 4th and into June 5th. Precipitable water values were near record levels for early June, and efficient storms quickly produced widespread 3 to 6 inches of rainfall over the far northwest Georgia counties.
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 Murray 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 Murray 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.