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Georgia · FEMA + NOAA + National Risk Index

Dougherty County, GA

17 FEMA disaster declarations (1966-2024), with a FEMA National Risk Index rating of Relatively Moderate. Most common hazard: Hurricane.

17
FEMA declarations
12
Major disasters
83
NRI risk · Relatively Moderate
Hurricane
Top hazard

The verdict

Dougherty County has a nationally busy FEMA history: 17 declarations, more than 32% of counties in this registry. But the state comparison tempers that reading: the total is 2% below the Georgia county mean. FEMA's separate National Risk Index places the county in the riskiest 17%; that score models loss and vulnerability rather than counting declarations.

Riskiest 17%
of U.S. counties for FEMA National Risk Index score
Relatively Moderate
FEMA National Risk Index rating
17
FEMA declarations vs 21 national county avg
1,255
NFIP flood insurance claims filed

FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.

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FEMA OpenFEMA declaration desk

County FIPS 13095 · Dougherty County 17 declarations · rank 2146/3,266

DECL-MID · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-MID · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW

  • DECL-MID 17
  • MAJOR-MID 71%
  • RANK-LOWER #2,146
  • PHOTO-FINISH Curry
  • NRI-MID 83
  • ACT-HIGH High
  • TYPE-LEAD Hurricane
  • VS-ST-BELOW -2%

Nearest declaration peer: Curry, OR (0 declaration gap)

FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Georgia state profile

Dougherty County among counties with fewer federal records

FEMA declaration records among Dougherty County and nearest peers by total count

declarations

What this shows Dougherty County carries 17 FEMA declaration records, ranked 2146 of 3,266 counties in this registry.

Source FEMA OpenFEMA Disaster Declarations Summaries v2 As of 2026-08-25

Dougherty County versus quieter counties in this dataset

Dougherty County among lower-declaration counties nationally

FEMA disaster declarations, all-time · Dougherty County

17 32nd percentile higher than 32% of 3,266 counties

This county 0 90 all U.S. counties FEMA tracks, bucketed by value

Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FEMA Disaster Declarations Summaries v2 · 2026-08-25

Dougherty County's FEMA Risk Index score

0/100100/100Georgia avg40/10082.8/100
FEMA National Risk Index composite score vs. the Georgia county average

Which hazard drives modeled loss here?

FEMA's modeled annual dollar loss for Dougherty County is led by Riverine Flooding (about $22.4M Expected Annual Loss, Historical Loss Ratio Relatively Low), while Lightning carries the highest National Risk Index rating (Relatively High). EAL and risk score use different inputs; they need not agree.

Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.

What does Dougherty County's hazard record show?

Reading the federal records together

FEMA's NFIP table contains a substantial paid-claim history for this county: 1,255 claims and $28.4M in payments. PlainHazard labels 500 or more claims a heavy registry record; that is a reporting bucket, not an official FEMA risk grade. The average paid claim was $22.6K. NFIP totals exclude uninsured flood losses and do not measure how many properties currently carry a policy.

Start with the state benchmark: a Georgia county averages 17.4 federal declaration records, while Dougherty County has 17. The gap is 2% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.

FEMA National Risk Index

This county sits among the highest-risk counties nationally on FEMA's National Risk Index, a composite score of 82.8/100 (Relatively Moderate). Expected Annual Loss is rated Relatively Low (roughly $35.7M in annualized losses). Social vulnerability reads Very High and community resilience Relatively High, both critical modifiers of realized harm here. Of the 18 hazards FEMA models, Lightning stands out as the sharpest exposure here, rated Relatively High. FEMA's modeled frequency puts that hazard at an average of 70 times per year here, based on 167,969 historical events on record.

57 /100

Historical Activity Index

High historical activity

Dougherty County, GA · PlainHazard-derived composite from federal records

This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology

FEMA Declarations (1953–present) Moderate
12/30

17 OpenFEMA declarations, full ingest window (0.8x national county average)

County Disaster Density Moderate
12/25

17 declarations (1.0x state county average of 17)

Major Disaster Share High
18/25

12 of 17 declarations are major disasters (71%)

Hazard Diversity Very High
15/20

6 different disaster types declared in Dougherty County

FEMA NRI 8-hazard radar - Dougherty County

Dougherty County NRI risk profile 8-axis FEMA National Risk Index radar showing per-hazard scores for Earthquake 25, Flood 48, Hurricane 48, Tornado 48, Wildfire 25, Drought 48, Heat Wave 25, Winter Storm 48. The simple mean of these eight displayed scores is 39 of 100. Earthquake Flood Hurricane Tornado Wildfire Drought Heat Wave Winter Storm 39 8-hazard mean
Dougherty County NRI risk profile FIPS 13095 · displayed-hazard mean 39/100
How to read this radar

Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.

FEMA Records

17

Below median

Major Disaster share

71%

Major-heavy

NRI risk score

83

Relatively Moderate

Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release

How often does each hazard strike Dougherty County?

FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.

Hazard NRI Risk Rating Recurrence
Lightning Relatively High an average of 70 times per year
Hurricane Relatively Moderate roughly once every 5 years
Riverine Flooding Relatively Moderate roughly once every 1 years
Tornado Relatively Moderate roughly once every 5 years
Earthquake Relatively Low roughly once every 787 years
Heat Wave Relatively Low 4.5 modeled event-days per year
Strong Wind Relatively Moderate an average of 1.4 times per year
Drought Relatively Moderate 39 modeled event-days per year
Wildfire Relatively Low roughly once every 1,469 years
Cold Wave Relatively Moderate an average of 1.9 times per year
Hail Relatively Low an average of 1.4 times per year
Winter Weather Relatively Low roughly once every 2 years
Ice Storm Very Low roughly once every 7 years
Landslide Very Low roughly once every 23 years

Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release

Disaster Types

Hurricane 6
Severe Storm 5
Biological 2
Tornado 2
Tropical Storm 1
Flood 1

What Hurricane declarations mean here

Hurricane is the most frequent declaration type on Dougherty County's federal record, 35% of its declarations. Atlantic tropical systems run on a defined season, 1 June to 30 November, with most activity concentrated between August and October; Pacific and territorial basins run on their own calendars. A single named storm routinely produces one declaration number covering a long corridor of counties at once, well inland as well as on the coast, which is why an affected county's count can jump by several in one year without several separate events having occurred.

One practical distinction matters when reading these records: a tropical declaration usually bundles wind, storm surge and inland rainfall flooding under a single incident, but the insurance behind them is split. Wind damage falls to property insurers, while flood and surge damage is covered only under a separate National Flood Insurance Program policy. That is why a county can show heavy declaration activity and a comparatively small NFIP claims record, or the reverse.

Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.

Declaration Types

What DR / EM / FM mean

FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).

Major Disaster - 12 70.6%

of all 17 declarations

Emergency - 5 29.4%

of all 17 declarations

FEMA Declarations Timeline

Year Declarations
2024 1
2020 2
2019 2
2017 4
2009 1
2007 1
2005 1
2004 1
1998 1
1996 1
1994 1
1966 1

Disaster Declarations

How the 17 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.

Download these 17 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.

DR# Title Type Incident Date
3616 HURRICANE HELENE EM Tropical Storm 2024-09-26
4501 COVID-19 PANDEMIC DR Biological 2020-03-29
3464 COVID-19 EM Biological 2020-03-13
4400 HURRICANE MICHAEL DR Hurricane 2018-10-14
3406 HURRICANE MICHAEL EM Hurricane 2018-10-10
4338 HURRICANE IRMA DR Hurricane 2017-09-15
3387 HURRICANE IRMA EM Hurricane 2017-09-08
4297 SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING DR Tornado 2017-01-26
4294 SEVERE STORMS, TORNADOES, AND STRAIGHT-LINE WINDS DR Severe Storm 2017-01-25
1833 SEVERE STORMS, FLOODING, TORNADOES, AND STRAIGHT-LINE WINDS DR Severe Storm 2009-04-23
1686 SEVERE STORMS AND TORNADOES DR Severe Storm 2007-03-03
3218 HURRICANE KATRINA EVACUATION EM Hurricane 2005-09-05
1560 TROPICAL STORM FRANCES DR Hurricane 2004-09-24
1209 SEVERE STORMS AND FLOODING DR Severe Storm 1998-03-11
1076 SEVERE STORMS AND TORNADOES DR Severe Storm 1995-12-20
1033 TORNADOES, FLOODING TORRENTIAL RAIN(TROP STORM ALBERTO) DR Tornado 1994-07-07
214 FLOODING DR Flood 1966-03-14

Storm Events in Georgia

Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Dougherty County.

Storm Type Events Fatalities Injuries Property Damage
Thunderstorm Wind 9,617 15 75 $65.4M
Drought 1,363 0 0 $0
Hail 1,257 0 0 $61.8M
Flash Flood 1,154 0 3 $29.3M
Tropical Storm 655 28 19 $855.3M

Source: NOAA Storm Events Database State-level aggregated data, 2015-2025

NFIP Flood Insurance Claims

Total Claims

1,255

Total Paid

$28.4M

Avg Per Claim

$22.6K

Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data

FEMA National Risk Index

Overall Risk

Relatively Moderate

Score: 82.8/100

Expected Annual Loss

Relatively Low

$35.7M/year

Social Vulnerability

Very High

Community Resilience

Relatively High

Hazard Risk Breakdown

Lightning Relatively High
Hurricane Relatively Moderate
Riverine Flooding Relatively Moderate
Tornado Relatively Moderate
Earthquake Relatively Low
Heat Wave Relatively Low
Strong Wind Relatively Moderate
Drought Relatively Moderate
Wildfire Relatively Low
Cold Wave Relatively Moderate
Hail Relatively Low
Winter Weather Relatively Low
Ice Storm Very Low
Landslide Very Low

Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri

The model's sharpest exposure here: Lightning

Lightning is modeled as a high-frequency, low-per-event hazard: strike counts are large, but each strike affects a very small area. Its aggregate cost accumulates through structure fires, electrical and electronic damage, and it is one of the few hazards whose risk is essentially continuous through the season rather than episodic.

Worth noting for Dougherty County: the model and the federal record do NOT point at the same hazard. Lightning carries the highest modeled rating (Relatively High), while the county's declaration history is led by Hurricane. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.

National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.

Data-matched county comparisons

Dougherty County's closest FEMA peer: Ector County, TX

Comparisons use published FEMA declaration fields plus the National Risk Index composite for Dougherty County. Record similarity, not a safety rating.

How these peers are chosen

Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.

Retained FEMA snapshot feed for Dougherty County - capture-dated entries only.

Compare beyond this state

Nationwide peers by NRI score & FEMA declaration volume

Two PlainHazard-derived comparison paths for Dougherty County: nearest out-of-state National Risk Index composite and nearest FEMA declaration count (floor ≥5 records). Record similarity only, not a forecast of the next hazard.

Further reading for this county

Understanding disaster data

Dougherty County's NFIP claims file (1,255 claims) and FEMA declaration history measure different federal records - this guide separates them from modeled NRI risk.

More PlainHazard guides

Frequently Asked Questions

What is the most common disaster type in Dougherty County?
The most common disaster type in Dougherty County is Hurricane, with 6 declarations. Other disaster types include Severe Storm (5), Biological (2), Tornado (2).
How does Dougherty County's FEMA declaration record compare with the Georgia average?
The typical Georgia county has 17.4 FEMA declaration records; Dougherty County has 17, or 2% fewer. Against the national county mean of 20.7, this county's total is 18% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Dougherty County received?
Dougherty County has received 12 major disaster declarations, representing 71% of all 17 disaster declarations.
How many flood insurance claims has Dougherty County filed?
Dougherty County has 1,255 National Flood Insurance Program (NFIP) claims totaling $28.4M in payments, with an average of $22.6K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Dougherty County?
No. In Dougherty County, Lightning has the highest National Risk Index rating (Relatively High), while Riverine Flooding leads Expected Annual Loss at about $22.4M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Dougherty County?
The most active year for disaster declarations in Dougherty County was 2017, with 4 declarations. The county has FEMA disaster data spanning 1966 to 2024.
What is the FEMA National Risk Index score for Dougherty County?
According to the FEMA National Risk Index, Dougherty County, Georgia has an overall risk score of 82.8 out of 100 (Relatively Moderate). The county's social vulnerability rating is Very High and community resilience is Relatively High. The Expected Annual Loss (EAL) score is Relatively Low, representing $35.7M in annualized losses.
Which natural hazard poses the greatest risk to Dougherty County?
The top hazard flagged by FEMA's NRI for Dougherty County is Lightning (risk rating: Relatively High). Other significant hazards include Hurricane (Relatively Moderate) and Riverine Flooding (Relatively Moderate). FEMA's modeled event frequency puts lightning here at an average of 70 times per year, drawn from 167,969 historical events on record. These scores are based on FEMA's analysis of historical event frequency, exposed assets, and community vulnerability.
Data Sources & Methodology

Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.

Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.

Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.

This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.

FEMA OpenFEMA declarations + NRI for Dougherty County · vintage 2026-08-25 · Methodology · Georgia profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events