76 flood insurance claims·$1.9M paid·2 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Troup County, Georgia. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash floods and tropical systems dominate the flood history of Troup County, accounting for 15 flash flood events and 14 tropical storm events over the last 30 years. Heavy rainfall from these systems routinely triggers localized flooding across the area. For example, a persistent series of thunderstorms on February 12, 2024, dropped 2.5 to 5 inches of rain across central Georgia, producing isolated flash flooding between LaGrange and Columbus. A prolonged weather pattern from March 25 through March 28, 2023, brought a swath of 4 or more inches of rain stretching to LaGrange, resulting in additional flash flooding.
National Flood Insurance Program records indicate that flood risks extend beyond high-risk areas. Properties in Zone A account for 50 claims with an average payout of $22,674 and an average recorded water depth of 12 inches. Meanwhile, properties in Zone X recorded 22 claims with an average payout of $38,703 and an average water depth of 13 inches, while Zone X_UNSHADED recorded 4 claims with an average payout of $53,986 and an average water depth of 1 inch. Homeowners and real estate agents with properties in Zone A and Zone X should pay the closest attention to flood risks, as both zones have experienced repeated claims and significant average water depths.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
7% of Troup County’s flood insurance claims were on properties rated outside FEMA’s high-risk zones.
54 NFIP claims with a recorded rated flood zone, 1978 to date. The zone is the one FEMA used to rate that policy, which may not match today’s map. Source: OpenFEMA NFIP claims.
In flood insurance claims here that reported a flood depth, the average was 11 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2003, with 23 claims and $398,453 paid.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
13 NOAA storm reports from Troup County describe what happened, in the words of the forecasters who covered it. Read the Georgia flood stories →
14 federal disaster declarations since 1977, 2 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Winter Storm | Jan 22, 2026 |
| Hurricane Helene | Sep 24, 2024 |
| Severe Storms, Straight-line Winds, And Tornadoes | Jan 12, 2023 |
| Hurricane Irma | Sep 7, 2017 |
| Severe Storms And Flooding | Dec 22, 2015 |
| Severe Winter Storm | Feb 10, 2014 |
| Severe Storms, Tornadoes, Straight-line Winds, And Associated Flooding | Apr 27, 2011 |
| Hurricane Katrina Evacuation | Aug 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
34 since 1996: 15 flash floods and 2 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Feb 12, 2024 | — |
| Flash Flood | Mar 27, 2023 | — |
| Flash Flood | Aug 17, 2021 | — |
| Tropical Storm | Oct 28, 2020 | — |
| Flash Flood | Apr 19, 2019 | $15,000 |
| Tropical Storm | Oct 10, 2018 | — |
| Tropical Storm | Sep 11, 2017 | $100,000 |
| Flash Flood | Dec 30, 2015 | $3,000 |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
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 and Columbus. Isolat…
Flash Flood · Mar 27, 2023. A prolonged, active weather pattern persisted across Georgia through late March, culminating in a series of disturbances that impacted the region March 25th through March 28th. In addition to numerous reports of damaging winds, hail and a few tornadoes, extreme rainfall amounts caused flash flooding over portions of the state. A swath of 4 or more inches of rain stretched from LaGrange, to Forsyth, to Augusta, wit…
Flash Flood · Aug 17, 2021. The remains of Tropical Storm Fred moved across central and north Georgia as a tropical depression during the overnight hours through the morning producing isolated reports of damaging winds in convective bands and several tornadoes. No reports of wind damage were received outside of the stronger convective bands. Rainfall amounts exceeded 4 inches in portions of northeast Georgia, with amounts of 6 to 8 inches ob…
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.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Troup County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.