Elbert County, Georgia: hazard risk
FEMA rates Elbert County's overall risk Very Low (score 30.8 of 100, higher than 30% of rated U.S. counties). Its storm record holds 341 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Ice Storm | Relatively Moderate | 77.9 | $238K |
| Heat Wave | Relatively Low | 74.1 | $763K |
| Hurricane | Relatively Low | 72.2 | $497K |
| Earthquake | Relatively Low | 71.6 | $606K |
| Drought | Relatively Low | 54.8 | $141K |
| Hail | Relatively Low | 54.7 | $220K |
| Cold Wave | Relatively Low | 45.9 | $557K |
| Tornado | Relatively Low | 40.9 | $618K |
| Riverine Flooding | Relatively Low | 35.8 | $2.9M |
| Strong Wind | Relatively Low | 35.5 | $244K |
| Lightning | Relatively Low | 32.6 | $83K |
| Wildfire | Very Low | 41.1 | $20K |
| Landslide | Very Low | 31.8 | $246 |
| Winter Weather | Very Low | 9.7 | $5K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 129 | 0 | $169K | 68th of 159 | 628th of 3,080 |
| Hail | 60 | 0 | – | 60th of 159 | 1080th of 3,080 |
| Winter storms | 45 | 0 | $864K | 36th of 159 | 1357th of 3,077 |
| Drought | 41 | 0 | – | 60th of 159 | 199th of 3,063 |
| Floods | 26 | 0 | $621K | 35th of 159 | 1204th of 3,080 |
| Tornadoes | 15 | 0 | $5.6M | 72nd of 159 | 1193rd of 3,080 |
| Extreme cold | 8 | 0 | $712K | 101st of 159 | 1030th of 3,076 |
| High wind and dust storms | 8 | 0 | $146K | 57th of 159 | 1672nd of 3,080 |
| Heat | 3 | 1 | – | 127th of 159 | 1573rd of 3,076 |
| Lightning | 2 | 0 | $76K | 115th of 159 | 1126th of 3,080 |
| Heavy rain | 1 | 0 | – | 136th of 159 | 1677th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | $1.4M | 159th of 159 | 848th of 1,849 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Elbert County record: every hazard by year and month, the deadliest events and FEMA's declarations.