Natural disaster risk in Habersham County, Georgia
Georgia · population 45,948 · FIPS 13137
Overall: very low risk
Habersham County has a composite risk score of 38.9 out of 100 — higher than 38% of US counties. It ranks 77 of 159 in Georgia (1 = highest risk). Its highest-rated hazards are lightning, ice storm, cold wave.
Drought now: No, but abnormally dry (D0)
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 100% of Habersham County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 44 weeks in a row.
Drought in Habersham County: the last 52 weeks · droughtmonitor.unl.edu
The U.S. Drought Monitor is jointly produced by the National Drought Mitigation Center at the University of Nebraska-Lincoln, the United States Department of Agriculture, the National Oceanic and Atmospheric Administration and the National Aeronautics and Space Administration. Map courtesy of NDMC.
Risk, loss, vulnerability and resilience
| Measure | Rating and score |
|---|---|
| Overall risk Expected annual loss, adjusted for social vulnerability and community resilience. |
Very low 38.9 |
| Expected annual loss About $11.9 million a year, on average, across all 18 hazards. |
Very low 41.9 |
| Social vulnerability Higher means people may find it harder to prepare and recover. |
Relatively low 39.2 |
| Community resilience Higher means a stronger ability to prepare, adapt and recover. |
Relatively low 23.5 |
Risk by hazard
FEMA's risk rating for each of 18 natural hazards in Habersham County, highest first. "Not applicable" means the hazard is not modelled here.
| Hazard | Risk rating and score |
|---|---|
| Lightning | Relatively moderate 76 |
| Ice storm | Relatively moderate 75 |
| Cold wave | Relatively moderate 71 |
| Landslide | Relatively low 68 |
| Earthquake | Relatively low 63 |
| Tornado | Relatively low 60 |
| Hail | Relatively low 50 |
| Inland (riverine) flooding | Relatively low 44 |
| Strong wind | Relatively low 39 |
| Drought | Relatively low 34 |
| Hurricane | Very low 58 |
| Wildfire | Very low 48 |
| Winter weather | Very low 15 |
| Heat wave | Very low 8 |
| Avalanche | Not applicable |
| Coastal flooding | Not applicable |
| Tsunami | Not applicable |
| Volcanic activity | Not applicable |
FEMA disaster declarations for Habersham County
Federal declarations that designated Habersham County, since 1 Jan 2024 (the period this site keeps from OpenFEMA). Older declarations are in FEMA's own dataset.
Yes. Habersham County has been named in 3 FEMA declarations since 1 Jan 2024. The latest is EM-3642-GA (Severe Winter Storm), declared 24 Jan 2026.
| Declaration | Kind | Incident | Declared | Individual assistance here |
|---|---|---|---|---|
| EM-3642-GA | Emergency | Severe Winter Storm | 24 Jan 2026 | No |
| DR-4830-GA | Major disaster | Hurricane Helene | 30 Sep 2024 | No |
| EM-3616-GA | Emergency | Hurricane Helene | 26 Sep 2024 | No |
All FEMA declarations in Georgia, with estimated apply-by dates · Open FEMA deadlines
This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). Dataset: Disaster Declarations Summaries - v2.
How to read these ratings
- Ratings run in five steps: very low, relatively low, relatively moderate, relatively high and very high. They compare a county with every other US county; they are not a measure of danger on their own.
- Scores run from 0 to 100 and are national percentiles. The bar shows the score: a score of 80 means a higher value than 80% of US counties.
- Overall risk combines the expected annual loss with social vulnerability and community resilience.
- Expected annual loss is the average yearly loss to buildings, people and agriculture the model expects from all 18 hazards.
- Social vulnerability describes how hard it may be for people to prepare for and recover from a disaster. Higher is worse.
- Community resilience describes a community's ability to prepare, adapt and recover. Higher is better.
- "Not applicable" means FEMA does not model that hazard there (for example, hurricanes far inland).
About this data
Source: FEMA National Risk Index, version 1.20, released December 2025, published by the Federal Emergency Management Agency (US public domain). About the National Risk Index. The index is a model of relative risk built from historical hazard records, what is exposed and community factors. It is not a forecast, it does not describe any single property, and it is not insurance or financial advice. For decisions about a specific address, check FEMA's flood maps and your local emergency management office.
Questions
What is the natural disaster risk in Habersham County, Georgia?
FEMA's National Risk Index rates the overall risk in Habersham County as very low, with a score of 38.9 out of 100 (higher than 38% of US counties). That is a comparison with other US counties, not a forecast.
What are the biggest natural hazards in Habersham County?
The hazards rated highest for Habersham County are lightning (relatively moderate), ice storm (relatively moderate), cold wave (relatively moderate).
What is the flood risk in Habersham County?
FEMA rates inland (river and rain) flooding risk in Habersham County as relatively low. For a specific property, check the FEMA flood map and your local floodplain office.
Has Habersham County had a FEMA disaster declaration?
Yes. Habersham County has been named in 3 FEMA declarations since 1 Jan 2024. The latest is EM-3642-GA (Severe Winter Storm), declared 24 Jan 2026.
Is Habersham County in a drought?
No drought, but abnormally dry. On the U.S. Drought Monitor map valid 13 October 2026, 100% of Habersham County is D0 Abnormally Dry and none of it is in drought (D1 to D4). Some of it has been abnormally dry or worse for 44 weeks in a row.
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