Habersham County, Georgia: hazard risk
FEMA rates Habersham County's overall risk Very Low (score 38.9 of 100, higher than 38% of rated U.S. counties). Its storm record holds 440 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 |
|---|---|---|---|
| Lightning | Relatively Moderate | 76.7 | $623K |
| Ice Storm | Relatively Moderate | 75.4 | $289K |
| Cold Wave | Relatively Moderate | 71.6 | $2.2M |
| Landslide | Relatively Low | 68.9 | $5K |
| Earthquake | Relatively Low | 63.8 | $555K |
| Tornado | Relatively Low | 60.7 | $1.8M |
| Hail | Relatively Low | 50.6 | $262K |
| Riverine Flooding | Relatively Low | 44.1 | $5.4M |
| Strong Wind | Relatively Low | 39.5 | $404K |
| Drought | Relatively Low | 34.8 | $39K |
| Hurricane | Very Low | 58.4 | $164K |
| Wildfire | Very Low | 48.6 | $43K |
| Winter Weather | Very Low | 15.3 | $12K |
| Heat Wave | Very Low | 8.6 | $13K |
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 | 125 | 0 | $353K | 39th of 159 | 283rd of 3,080 |
| Hail | 88 | 0 | $2K | 20th of 159 | 179th of 3,080 |
| Winter storms | 75 | 0 | $988K | 11th of 159 | 456th of 3,077 |
| Floods | 44 | 0 | $1.6M | 4th of 159 | 509th of 3,080 |
| Drought | 42 | 0 | – | 33rd of 159 | 94th of 3,063 |
| High wind and dust storms | 29 | 0 | $980K | 3rd of 159 | 309th of 3,080 |
| Tornadoes | 17 | 0 | $26M | 31st of 159 | 481st of 3,080 |
| Extreme cold | 11 | 0 | $1.4M | 59th of 159 | 654th of 3,076 |
| Lightning | 4 | 0 | $1.9M | 80th of 159 | 661st of 3,080 |
| Hurricanes and tropical storms | 2 | 0 | $852K | 155th of 159 | 590th of 1,849 |
| Heavy rain | 1 | 0 | – | 130th of 159 | 1532nd of 3,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Habersham County record: every hazard by year and month, the deadliest events and FEMA's declarations.