Enter any address in Talbot County, Georgia to see its FEMA flood zone
Tropical storm activity is the most frequent type of flooding event recorded in Talbot County over the last 30 years, with 16 occurrences. This is followed by flash floods (11 events), general floods (4 events), and hurricanes (2 events). Recent events include heavy rainfall and isolated flash flooding associated with persistent thunderstorms in February 2024, and widespread rainfall and wind gusts from Hurricane Helene in September 2024.
National Flood Insurance Program (NFIP) claims data shows that while Zone A has had more claims (3), the average payout in Zone X_UNSHADED (2 claims) was significantly higher, at $29,729 compared to $4,481 in Zone A. Both zones reported an average water depth of 0.0 feet in these claims. Residents in areas designated as Zone A, as well as those in Zone X_UNSHADED, should pay close attention to flood risk information.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
16 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Talbot County, Georgia has recorded 33 flood-related events since 1996 according to NOAA's Storm Events Database, including 11 flash floods and 4 river or area floods. The county has received 16 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 |
| 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 |
| Hurricane Katrina Evacuation | Hurricane | Aug 27, 2005 |
| Tropical Storm Frances | Hurricane | Sep 3, 2004 |
| 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 |
|---|---|---|
| Tropical Storm | Sep 27, 2024 | 1.00K |
| Flood | Feb 12, 2024 | 15.00K |
| Flash Flood | Feb 12, 2024 | 10.00K |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | Apr 19, 2020 | 0.00K |
| Flash Flood | May 24, 2018 | 5.00K |
| Flash Flood | May 23, 2018 | 15.00K |
| Tropical Storm | Oct 10, 2018 | 0.00K |
| Tropical Storm | Sep 11, 2017 | 50.00K |
| 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...
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 — 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 ...
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.
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 Talbot 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 Talbot 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.