Enter any address in Towns County, Georgia to see its FEMA flood zone
Flash flooding from heavy rainfall events dominates the flood character of Towns County. Recent events include widespread rainfall of 3 to 6 inches, with locally higher amounts, from the remnants of Subtropical Storm Alberto in May 2018. Tropical Storm Zeta also brought widespread wind damage and isolated flooding in October 2020.
National Flood Insurance Program (NFIP) data shows that properties in Zone A have experienced 21 claims averaging $7,148 with an average water depth of 1.1 feet. Properties in Zone X have had 5 claims, with a higher average payout of $13,784 and an average water depth of 2.6 feet.
Residents in areas designated as Zone A or Zone X, particularly those near waterways or in lower-lying terrain, should pay close attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
5 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Towns County, Georgia has recorded 23 flood-related events since 1996 according to NOAA's Storm Events Database, including 7 flash floods. The county has received 14 federal disaster declarations. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1993–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Tropical Storm | Sep 24, 2024 |
| 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 Storms And Flooding | Severe Storm | Dec 22, 2015 |
| Severe Winter Storm | Severe Ice Storm | Feb 10, 2014 |
| Hurricane Katrina Evacuation | Hurricane | Aug 27, 2005 |
| Hurricane Ivan | Hurricane | Sep 14, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Tropical Storm | Oct 29, 2020 | — |
| Flash Flood | May 30, 2018 | 2.50K |
| Tropical Storm | Sep 11, 2017 | 30.00K |
| Flash Flood | Jul 3, 2013 | 40.00K |
| Tropical Storm | Sep 4, 2011 | 0.00K |
| Tropical Storm | Nov 10, 2009 | 0.00K |
| Flash Flood | Jul 8, 2009 | 5.00K |
| Flash Flood | Aug 26, 2008 | 1.00K |
| Tropical Storm | Aug 21, 2008 | 0.00K |
| Hurricane (Typhoon) | Sep 14, 2007 | 0.00K |
Tropical Storm — Oct 29, 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 30, 2018
The remnants of Subtropical Storm Alberto continued to impact the region May 29 and early May 30, with persistent enhanced moisture plaguing the region. As bands of showers and thunderstorms encountered the topography of northeast Georgia, the storms became anchored, training and redeveloping over the ridge line. Over the terrain, widespread 3 to 6 inches were observed. Portions of southern Tow...
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 — Jul 3, 2013
A broad area of surface low pressure was in place from Alabama through the Ohio Valley, with a strong upper level system over the Missouri Valley. The upper low retrograded to the west during the day on the 3rd while additional deep moisture pushed into the area from the Caribbean. Showers and embedded thunderstorms developed during the afternoon, and with strong winds aloft associated with t...
Tropical Storm — Sep 4, 2011
Tropical Storm Lee moved slowly onshore the Louisiana coast on Friday September 2nd and then grudgingly moved northeast through Sunday September 4th before finally becoming caught up in an eastward advancing upper trough and associated frontal system. The remnants of Lee tracked across central Mississippi, central and northern Alabama, and into northern Georgia on the 5th before moving northea...
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 Towns 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 Towns 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.