FEMA Records
15
Below median
Georgia · FEMA + NOAA + National Risk Index
Murray County, GA
15 FEMA disaster declarations (1974-2026), with a FEMA National Risk Index rating of Relatively Low. Most common hazard: Hurricane.
- 15
- FEMA declarations
- 7
- Major disasters
- 51
- NRI risk · Relatively Low
- Hurricane
- Top hazard
The verdict
Murray County has a nationally busy FEMA history: 15 declarations, more than 23% of counties in this registry. But the state comparison tempers that reading: the total is 14% below the Georgia county mean. FEMA's separate National Risk Index places the county in the riskiest 49%; that score models loss and vulnerability rather than counting declarations.
- Riskiest 49%
- of U.S. counties for FEMA National Risk Index score
- Relatively Low
- FEMA National Risk Index rating
- 15
- FEMA declarations vs 21 national county avg
- 42
- 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 13213 · Murray County 15 declarations · rank 2373/3,266
DECL-MID · MAJOR-LIGHT · RANK-LOWER · PHOTO-FINISH · NRI-LOW · ACT-HIGH · TYPE-LEAD · VS-ST-BELOW
- DECL-MID 15
- MAJOR-LIGHT 47%
- RANK-LOWER #2,373
- PHOTO-FINISH Polk
- NRI-LOW 51
- ACT-HIGH High
- TYPE-LEAD Hurricane
- VS-ST-BELOW -14%
Nearest declaration peer: Polk, OR (0 declaration gap)
FEMA Disaster Declarations Summaries v2 filing stamps for this county register. Read with this county → · Georgia state profile
Murray County among counties with fewer federal records
FEMA declaration records among Murray County and nearest peers by total count
- Los Angeles · largest
Los Angeles · largest
88 declarations
- Flathead · near 15
Flathead · near
15 declarations
- Monroe · near 15
Monroe · near
15 declarations
- Murray · this county 15
Murray · this county
15 declarations
- Polk · near 15
Polk · near
15 declarations
- Ujelang · smallest 1
Ujelang · smallest
1 declarations
What this shows Murray County carries 15 FEMA declaration records, ranked 2373 of 3,266 counties in this registry.
Murray County versus quieter counties in this dataset
Murray County among lower-declaration counties nationally
FEMA disaster declarations, all-time · Murray County
15 23rd percentile higher than 23% 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
Murray County's FEMA Risk Index score
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Murray County is led by Riverine Flooding (about $6.3M Expected Annual Loss, Historical Loss Ratio Relatively Moderate), while Earthquake carries the highest National Risk Index rating (Relatively Low). 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 Murray County's hazard record show?
FEMA National Risk Index
This county carries a high composite score on FEMA's National Risk Index, 51.5/100, rated Relatively Low. Its Expected Annual Loss rating is Relatively Low (roughly $16.2M in annualized losses), and a Relatively Moderate social-vulnerability profile combined with Very Low community resilience shapes how much of that raw exposure becomes realized harm. Even the county's top-rated hazard, Earthquake, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 241 years here.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 42 claims and $611.8K 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.
Start with the state benchmark: a Georgia county averages 17.4 federal declaration records, while Murray County has 15. The gap is 14% 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.
54 /100
Historical Activity Index
High historical activity
Murray 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
11/30
15 OpenFEMA declarations, full ingest window (0.7x national county average)
County Disaster Density Moderate
11/25
15 declarations (0.9x state county average of 17)
Major Disaster Share Moderate
12/25
7 of 15 declarations are major disasters (47%)
Hazard Diversity Very High
20/20
9 different disaster types declared in Murray County
FEMA NRI 8-hazard radar - Murray 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
47%
Mixed major share
NRI risk score
51
Relatively Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Murray 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 |
|---|---|---|
| Earthquake | Relatively Low | roughly once every 241 years |
| Cold Wave | Relatively Moderate | an average of 2.2 times per year |
| Tornado | Relatively Moderate | roughly once every 5 years |
| Landslide | Relatively Low | roughly once every 2 years |
| Lightning | Relatively Moderate | an average of 62 times per year |
| Strong Wind | Relatively Moderate | an average of 4 times per year |
| Wildfire | Very Low | roughly once every 825 years |
| Hurricane | Very Low | roughly once every 44 years |
| Riverine Flooding | Relatively Low | roughly once every 1 years |
| Hail | Relatively Low | an average of 4.7 times per year |
| Ice Storm | Relatively Low | roughly once every 2 years |
| Drought | Relatively Low | 30 modeled event-days per year |
| Heat Wave | Very Low | 1.5 modeled event-days per year |
| Winter Weather | Very Low | an average of 6.8 times per year |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Hurricane 4
Biological 2
Severe Storm 2
Tornado 2
Winter Storm 1
Tropical Storm 1
Severe Ice Storm 1
Snowstorm 1
Drought 1
What Hurricane declarations mean here
Hurricane is the most frequent declaration type on Murray County's federal record, 27% 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).
Emergency - 8 53.3%
of all 15 declarations
Major Disaster - 7 46.7%
of all 15 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2026 | 1 | |
| 2024 | 1 | |
| 2020 | 2 | |
| 2017 | 2 | |
| 2014 | 1 | |
| 2005 | 1 | |
| 1998 | 1 | |
| 1996 | 1 | |
| 1994 | 1 | |
| 1993 | 1 | |
| 1990 | 1 | |
| 1977 | 1 | |
| 1974 | 1 | |
Disaster Declarations
How the 15 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 15 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 |
| 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 |
| 4338 | HURRICANE IRMA | DR | Hurricane | 2017-09-15 |
| 3387 | HURRICANE IRMA | EM | Hurricane | 2017-09-08 |
| 3368 | SEVERE WINTER STORM | EM | Severe Ice Storm | 2014-02-11 |
| 3218 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-05 |
| 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 |
| 857 | SEVERE STORMS, TORNAODES & FLOODING | DR | Severe Storm | 1990-02-23 |
| 3044 | DROUGHT | EM | Drought | 1977-07-20 |
| 425 | TORNADOES | DR | Tornado | 1974-04-05 |
Storm Events in Georgia
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Murray 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
42
Total Paid
$611.8K
Avg Per Claim
$14.6K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Relatively Low
Score: 51.5/100
Expected Annual Loss
Relatively Low
$16.2M/year
Social Vulnerability
Relatively Moderate
Community Resilience
Very Low
Hazard Risk Breakdown
Earthquake Relatively Low
Cold Wave Relatively Moderate
Tornado Relatively Moderate
Landslide Relatively Low
Lightning Relatively Moderate
Strong Wind Relatively Moderate
Wildfire Very Low
Hurricane Very Low
Riverine Flooding Relatively Low
Hail Relatively Low
Ice Storm Relatively Low
Drought Relatively Low
Heat Wave Very Low
Winter Weather 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: Earthquake
Earthquake is the model's clearest example of a hazard with no season and no warning. Its expected loss is driven less by how often shaking occurs than by how much of the building stock predates modern seismic codes, so exposure can be high in places where nothing has happened for a long time.
Worth noting for Murray County: the model and the federal record do NOT point at the same hazard. Earthquake carries the highest modeled rating (Relatively Low), 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
Murray County's closest FEMA peer: Fremont County, CO
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Murray County. Record similarity, not a safety rating.
Closest declaration profiles
Murray County shows 15 FEMA declarations, led by Hurricane.
Similar Major-disaster share
Murray County: 7 of 15 of its declarations are Major.
Similar modeled NRI score
Murray County: NRI composite 51.5 (Relatively 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 Murray County - capture-dated entries only.
Compare beyond this state
Nationwide peers by NRI score & FEMA declaration volume
Two PlainHazard-derived comparison paths for Murray 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: 51.5 (Relatively Low).
Similar declaration volume
Nearest out-of-state counties by FEMA declaration count. This county: 15. NRI peers are excluded so the two link sets stay distinct.
Further reading for this county
Most disaster-prone counties
With 15 FEMA declarations, Murray 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 Murray County?
The most common disaster type in Murray County is Hurricane, with 4 declarations. Other disaster types include Biological (2), Severe Storm (2), Tornado (2).
How does Murray County's FEMA declaration record compare with the Georgia average?
The typical Georgia county has 17.4 FEMA declaration records; Murray County has 15, or 14% fewer. Against the national county mean of 20.7, this county's total is 28% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Murray County received?
Murray County has received 7 major disaster declarations, representing 47% of all 15 disaster declarations.
How many flood insurance claims has Murray County filed?
Murray County has 42 National Flood Insurance Program (NFIP) claims totaling $611.8K in payments, with an average of $14.6K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Murray County?
No. In Murray County, Earthquake has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $6.3M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Murray County?
The most active year for disaster declarations in Murray County was 2017, with 2 declarations. The county has FEMA disaster data spanning 1974 to 2026.
What is the FEMA National Risk Index score for Murray County?
According to the FEMA National Risk Index, Murray County, Georgia has an overall risk score of 51.5 out of 100 (Relatively Low). On social vulnerability the county rates Relatively Moderate; on community resilience, Very Low. The Expected Annual Loss (EAL) score is Relatively Low, representing $16.2M in annualized losses.
Which natural hazard poses the greatest risk to Murray County?
Based on FEMA NRI data, the highest-risk natural hazard in Murray County is Earthquake (risk rating: Relatively Low). Other significant hazards include Cold Wave (Relatively Moderate) and Tornado (Relatively Moderate). FEMA's modeled event frequency puts earthquake here at roughly once every 241 years. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
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 Murray County · vintage 2026-08-25 · Methodology · Georgia profile · Verify with FEMA OpenFEMA · Verify with NOAA Storm Events