Stephens County, Georgia: hazard risk
FEMA rates Stephens County's overall risk Very Low (score 33.4 of 100, higher than 33% of rated U.S. counties). Its storm record holds 348 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 | 76.3 | $243K |
| Lightning | Relatively Moderate | 58.1 | $242K |
| Earthquake | Relatively Low | 71.9 | $700K |
| Hail | Relatively Low | 64.5 | $342K |
| Hurricane | Relatively Low | 59.8 | $159K |
| Tornado | Relatively Low | 56.8 | $1.2M |
| Cold Wave | Relatively Low | 49.7 | $725K |
| Riverine Flooding | Relatively Low | 44.0 | $4.3M |
| Strong Wind | Relatively Low | 34.7 | $270K |
| Landslide | Very Low | 60.8 | $2K |
| Wildfire | Very Low | 37.0 | $17K |
| Heat Wave | Very Low | 30.9 | $110K |
| Drought | Very Low | 22.9 | $6K |
| Winter Weather | Very Low | 10.6 | $6K |
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 | 124 | 1 | $273K | 11th of 159 | 60th of 3,080 |
| Winter storms | 62 | 0 | $971K | 3rd of 159 | 295th of 3,077 |
| Hail | 58 | 0 | $164K | 16th of 159 | 140th of 3,080 |
| Drought | 44 | 0 | – | 6th of 159 | 19th of 3,063 |
| High wind and dust storms | 17 | 0 | $84K | 4th of 159 | 360th of 3,080 |
| Floods | 15 | 0 | $6.3M | 22nd of 159 | 981st of 3,080 |
| Extreme cold | 10 | 0 | $712K | 32nd of 159 | 416th of 3,076 |
| Tornadoes | 10 | 0 | $7.6M | 38th of 159 | 593rd of 3,080 |
| Heat | 2 | 0 | – | 117th of 159 | 1397th of 3,076 |
| Lightning | 2 | 0 | $48K | 79th of 159 | 640th of 3,080 |
| Hurricanes and tropical storms | 1 | 0 | – | 156th of 159 | 673rd 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 Stephens County record: every hazard by year and month, the deadliest events and FEMA's declarations.