Enter any address in Muscogee County, Georgia to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Muscogee County, GA, with 21 occurrences recorded in the last 30 years. Tropical storms and general floods also contribute to flood risk. Recent events include isolated flash flooding in February 2024 and October 2021, driven by heavy rainfall of 2.5 to 5 inches and up to 10 inches respectively in some areas.
National Flood Insurance Program (NFIP) claims data shows that properties in Zone A have experienced the most claims, with an average payout of $10,817 and an average water depth of 3.0 feet. Properties in Zone X have also seen significant claims, with an average payout of $9,199, though the average water depth was higher at 9.1 feet. Homeowners in Zone A and Zone X, as well as those in areas with lower base flood elevations or without flood insurance, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
20 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Muscogee County, Georgia has recorded 47 flood-related events since 1996 according to NOAA's Storm Events Database, including 21 flash floods and 10 river or area floods. The county has received 13 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1990–2026)
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 Michael | Hurricane | Oct 9, 2018 |
| Hurricane Irma | Hurricane | Sep 7, 2017 |
| Severe Storms And Flooding | Severe Storm | Dec 22, 2015 |
| Severe Storms And Tornadoes | Severe Storm | Mar 1, 2007 |
| Hurricane Katrina Evacuation | Hurricane | Aug 27, 2005 |
| Severe Storms And Flooding | Severe Storm | Feb 14, 1998 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 11, 2024 | 0.00K |
| Flash Flood | Oct 4, 2021 | 0.00K |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | Apr 19, 2020 | 0.00K |
| Flash Flood | Sep 16, 2020 | 0.00K |
| Flash Flood | May 23, 2018 | 0.00K |
| Tropical Storm | Oct 10, 2018 | 0.00K |
| Tropical Storm | Sep 11, 2017 | 185.00K |
| Flash Flood | Jan 2, 2017 | 35.00K |
| Flash Flood | Jan 2, 2017 | 50.00K |
Flash Flood — Feb 11, 2024
A period of persistent thunderstorms moved through the area with an initial warm front early in the morning and later a weak cold front overnight. Weak instability resulted in mostly benign activity, aside from a single report of each hail and wind damage. Rainfall amounts of 2.5 to 5 inches stretched across central Georgia, with highest amounts along the Georgia-Alabama line, between LaGrange ...
Flash Flood — Oct 4, 2021
An active weather pattern, combined with excessive atmospheric moisture, produced numerous showers and thunderstorms October 4th and early October 5th. Heavy rainfall amounts of 3 to 5 inches were common over central Georgia, with higher amounts up to 10 inches in and around Columbus and West Point in west central Georgia. Isolated flash flooding was also reported around Gainesville, resulting ...
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 — Apr 19, 2020
A warm front over central Georgia combined with low pressure riding along this boundary produced wind damage and enhanced rainfall over the area. ||An axis of extremely heavy rainfall set up in a zone from Columbus to Warner Robins as the result of training storms along the warm front. Rainfall amounts of 4 to 8 inches were common, resulting in flash flooding.
Flash Flood — Sep 16, 2020
A weakening Tropical Storm Sally moved into Georgia on September 16th, spreading heavy rainfall amounts and producing damaging winds in north and central Georgia. Rainfall amounts of 2 to 8 inches occurred, with the axis of heaviest rainfall extending from near Columbus, to Macon, to Augusta. The highest winds were observed in the metro Atlanta area as Sally's convective bands moved through lat...
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 Muscogee 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 Muscogee 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.