Enter any address in Spalding County, Georgia to see its FEMA flood zone
Flash flooding from thunderstorms is the most frequent flood event in Spalding County, with 14 tropical storm events and 9 flash flood events recorded in the last 30 years. Recent occurrences include isolated flash flooding on February 12, 2024, following persistent thunderstorms, and on May 4, 2021, when several rounds of strong thunderstorms produced heavy rainfall. Remnants of Tropical Storm Marco also contributed to flash flooding on August 25, 2020, with rainfall amounts of 1.5 to 5 inches.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone X have experienced the most claims, with an average payout of $10,750 and an average water depth of 14.4 feet. Properties in Zone A also have claims, averaging $1,183 with a 7.7-foot water depth. Homeowners in Zone X, Zone A, and those without a Base Flood Elevation (BFE) should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
9 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Spalding County, Georgia has recorded 33 flood-related events since 1996 according to NOAA's Storm Events Database, including 9 flash floods and 7 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 (1977–2026)
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, Straight-line Winds, And Tornadoes | Severe Storm | Jan 12, 2023 |
| 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 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Severe Storm | Apr 27, 2011 |
| Hurricane Katrina Evacuation | Hurricane | Aug 27, 2005 |
| Tropical Storm Frances | Hurricane | Sep 3, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Feb 12, 2024 | 0.00K |
| Flash Flood | May 4, 2021 | 20.00K |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | Aug 25, 2020 | 0.00K |
| Tropical Storm | Oct 10, 2018 | 0.00K |
| Tropical Storm | Sep 11, 2017 | 700.00K |
| Tropical Storm | Sep 4, 2011 | 0.00K |
| Flood | Mar 28, 2009 | 0.50K |
| Tropical Storm | Nov 10, 2009 | 0.00K |
| Flood | Mar 1, 2009 | 1.00K |
Flash Flood — Feb 12, 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 — May 4, 2021
A series of upper-level short waves moved across the region in persistent, southwesterly upper-level flow combined with moderate instability and shear to produce several rounds of strong to severe thunderstorms across north and central Georgia. Some of these storms dumped 2 to 4 inches of rain over the area, resulting in isolated flash flooding.
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 — Aug 25, 2020
Remnants of Tropical Storm Marco moving through the region caused deep tropical moisture to remain over Georgia, producing moderate to heavy showers over the metro Atlanta area through the day. Rainfall amounts of 1.5 to 3 inches were common, with isolated higher amounts of 3 to 5 inches producing flash flooding in south metro Atlanta.
Tropical Storm — Oct 10, 2018
Hurricane Michael made landfall along the Florida panhandle at Mexico beach (just southeast of Panama City) on the afternoon of October 10, 2018 as a high-end Category 4 hurricane (max winds of 155 MPH). Michael then moved rapidly inland, causing widespread wind damage along its path as it swept northeast across south and central Georgia. Hurricane Michael was the first major hurricane, categor...
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 Spalding 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 Spalding 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.