FEMA Records
21
Above median
Georgia · FEMA + NOAA + National Risk Index
Habersham County, GA
21 FEMA disaster declarations (1976-2026), with a FEMA National Risk Index rating of Very Low. Most common hazard: Hurricane.
- 21
- FEMA declarations
- 13
- Major disasters
- 39
- NRI risk · Very Low
- Hurricane
- Top hazard
The verdict
Two federal records point in the busier direction for Habersham County. Its 21 FEMA declarations are 21% above the Georgia county mean and exceed the count for 52% of the 3,266 counties in this registry. Separately, FEMA's National Risk Index places it safer than 39%, based on modeled expected annual loss, social vulnerability, and community resilience.
- Safer than 39%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 21
- FEMA declarations vs 21 national county avg
- 22
- 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.
FEMA OpenFEMA declaration desk
County FIPS 13137 · Habersham County 21 declarations · rank 1426/3,266
DECL-HEAVY · MAJOR-MID · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-ABOVE
- DECL-HEAVY 21
- MAJOR-MID 62%
- RANK-LOWER #1,426
- PHOTO-FINISH Montgomery
- NRI-LOW Very Low
- ACT-HIGH High
- TYPE-LEAD Hurricane
- VS-ST-ABOVE +21%
Nearest declaration peer: Montgomery, IN (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Georgia state profile
Habersham County in the declaration-count neighbourhood
FEMA declaration records among Habersham County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Atascosa · near 21
Atascosa · near
21 declarations
- Habersham · this county 21
Habersham · this county
21 declarations
- Mason · near 21
Mason · near
21 declarations
- Montgomery · near 21
Montgomery · near
21 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Habersham County carries 21 FEMA declaration records, ranked 1426 of 3,266 counties in this registry.
How Habersham County's FEMA declaration count compares nationally
Habersham County vs. all counties in this dataset
FEMA disaster declarations, all-time · Habersham County
21 Top 48% higher than 52% of 3,266 counties
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
Habersham County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Habersham County is led by Riverine Flooding (about $5.4M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Lightning carries the highest National Risk Index rating (Relatively Moderate). 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 Habersham County's hazard record show?
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 38.9/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $11.9M in annualized losses). Social vulnerability (Relatively Low) and community resilience (Relatively Low) both factor into how that raw exposure plays out on the ground. Among the 18 modeled hazards, Lightning carries the county's highest rating, a mid-range Relatively Moderate. FEMA's modeled frequency puts that hazard at an average of 62 times per year here, based on 92,189 historical events on record.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 22 claims and $1.7M paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
The declaration register points in the busier direction. Habersham County's 21 federal records stand 21% above the Georgia county mean of 17.4. That comparison describes how often federal action was recorded, including any Major Disaster, Emergency, and Fire Management entries shown on this page; it does not convert the count into future probability.
65 /100
Historical Activity Index
High historical activity
Habersham 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) High
15/30
21 OpenFEMA declarations, full ingest window (1.0x national county average)
County Disaster Density High
15/25
21 declarations (1.2x state county average of 17)
Major Disaster Share High
15/25
13 of 21 declarations are major disasters (62%)
Hazard Diversity Very High
20/20
10 different disaster types declared in Habersham County
FEMA NRI 8-hazard radar - Habersham County
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.
Major Disaster share
62%
Major-heavy
NRI risk score
39
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Habersham 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 Moderate | an average of 62 times per year |
| Ice Storm | Relatively Moderate | an average of 1.6 times per year |
| Cold Wave | Relatively Moderate | roughly once every 2 years |
| Landslide | Relatively Low | roughly once every 1 years |
| Earthquake | Relatively Low | roughly once every 418 years |
| Tornado | Relatively Low | roughly once every 7 years |
| Hurricane | Very Low | roughly once every 38 years |
| Hail | Relatively Low | an average of 4.6 times per year |
| Wildfire | Very Low | roughly once every 942 years |
| Riverine Flooding | Relatively Low | an average of 1.2 times per year |
| Strong Wind | Relatively Low | an average of 2.4 times per year |
| Drought | Relatively Low | 40 modeled event-days per year |
| Winter Weather | Very Low | an average of 5.5 times per year |
| Heat Wave | Very Low | 0.1 modeled event-days per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Hurricane 7
Severe Ice Storm 3
Severe Storm 3
Biological 2
Winter Storm 1
Tropical Storm 1
Tornado 1
Snowstorm 1
Drought 1
Flood 1
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on Habersham County's federal record, 33% 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 - 13 61.9%
of all 21 declarations
Emergency - 8 38.1%
of all 21 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2024 | 2 | |
| 2021 | 1 | |
| 2020 | 2 | |
| 2017 | 2 | |
| 2015 | 1 | |
| 2014 | 2 | |
| 2011 | 1 | |
| 2005 | 1 | |
| 2004 | 1 | |
| 2000 | 1 | |
| 1998 | 1 | |
| 1996 | 1 | |
| 1994 | 1 | |
| 1993 | 1 | |
Show 2 earlier declaration years
| 1977 | 1 | |
| 1976 | 1 | |
Disaster Declarations
How the 21 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 21 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 3642 | SEVERE WINTER STORM | EM | Winter Storm | 2026-01-24 |
| 4830 | HURRICANE HELENE | DR | Hurricane | 2024-09-30 |
| 3616 | HURRICANE HELENE | EM | Tropical Storm | 2024-09-26 |
| 4579 | TROPICAL STORM ZETA | DR | Hurricane | 2021-01-12 |
| 4501 | COVID-19 PANDEMIC | DR | Biological | 2020-03-29 |
| 3464 | COVID-19 | EM | Biological | 2020-03-13 |
| 4338 | HURRICANE IRMA | DR | Hurricane | 2017-09-15 |
| 3387 | HURRICANE IRMA | EM | Hurricane | 2017-09-08 |
| 4215 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2015-04-20 |
| 4165 | SEVERE WINTER STORM | DR | Severe Ice Storm | 2014-03-06 |
| 3368 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2014-02-11 |
| 1973 | SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND ASSOCIATED FLOODING | DR | Severe Storm | 2011-04-29 |
| 3218 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 1554 | HURRICANE IVAN | DR | Hurricane | 2004-09-18 |
| 1311 | SEVERE WINTER STORM | DR | Severe Storm | 2000-01-28 |
| 1209 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 1998-03-11 |
| 1071 | HURRICANE OPAL | DR | Hurricane | 1995-10-10 |
| 1020 | TORNADOES, FLOODING, AND SEVERE STORMS | DR | Tornado | 1994-03-31 |
| 3097 | SEVERE SNOWFALL, WINTER STORM | EM | Snowstorm | 1993-03-15 |
| 3044 | DROUGHT | EM | Drought | 1977-07-20 |
Show 1 earlier declaration records
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 507 | SEVERE STORMS & FLOODING | DR | Flood | 1976-06-11 |
Storm Events in Georgia
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Habersham 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
22
Total Paid
$1.7M
Avg Per Claim
$78.1K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 38.9/100
Expected Annual Loss
Very Low
$11.9M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively Low
Hazard Risk Breakdown
Lightning Relatively Moderate
Ice Storm Relatively Moderate
Cold Wave Relatively Moderate
Landslide Relatively Low
Earthquake Relatively Low
Tornado Relatively Low
Hurricane Very Low
Hail Relatively Low
Wildfire Very Low
Riverine Flooding Relatively Low
Strong Wind Relatively Low
Drought Relatively Low
Winter Weather Very Low
Heat Wave 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 Habersham County: the model and the federal record do NOT point at the same hazard. Lightning carries the highest modeled rating (Relatively Moderate), 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
Habersham County's closest FEMA peer: Blanco County, TX
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Habersham County. Record similarity, not a safety rating.
Closest declaration profiles
Habersham County shows 21 FEMA declarations, led by Hurricane.
Similar Major-disaster share
Habersham County: 13 of 21 of its declarations are Major.
Similar modeled NRI score
Habersham County: NRI composite 38.9 (Very Low).
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 Habersham County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Habersham 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.
Similar NRI composite
Nearest out-of-state counties by FEMA NRI score. This county: 38.9 (Very Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 21. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 21 FEMA declarations, Habersham County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Frequently Asked Questions
What is the most common disaster type in Habersham County?
The most common disaster type in Habersham County is Hurricane, with 7 declarations. Other disaster types include Severe Ice Storm (3), Severe Storm (3), Biological (2).
How does Habersham County's FEMA declaration record compare with the Georgia average?
FEMA lists 21 declaration records for Habersham County. That is 21% above the Georgia county mean of 17.4. Its count is also 1% above the national county mean of 20.7. A larger declaration history records more federal actions; it is not a forecast of the county's next hazard.
How many major FEMA disaster declarations has Habersham County received?
Habersham County has received 13 major disaster declarations, representing 62% of all 21 disaster declarations.
How many flood insurance claims has Habersham County filed?
Habersham County has 22 National Flood Insurance Program (NFIP) claims totaling $1.7M in payments, with an average of $78.1K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Habersham County?
No. In Habersham County, Lightning has the highest National Risk Index rating (Relatively Moderate), while Riverine Flooding leads Expected Annual Loss at about $5.4M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Habersham County?
The most active year for disaster declarations in Habersham County was 2014, with 2 declarations. The county has FEMA disaster data spanning 1976 to 2026.
What is the FEMA National Risk Index score for Habersham County?
According to the FEMA National Risk Index, Habersham County, Georgia has an overall risk score of 38.9 out of 100 (Very Low). The county's social vulnerability rating is Relatively Low and community resilience is Relatively Low. The Expected Annual Loss (EAL) score is Very Low, representing $11.9M in annualized losses.
Which natural hazard poses the greatest risk to Habersham County?
FEMA's NRI data points to Habersham County is Lightning (risk rating: Relatively Moderate). Other significant hazards include Ice Storm (Relatively Moderate) and Cold Wave (Relatively Moderate). FEMA's modeled event frequency puts lightning here at an average of 62 times per year, drawn from 92,189 historical events on record. The underlying methodology weighs historical event frequency against 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 Habersham County · vintage 2026-08-25 · Methodology · Georgia profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events