Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Georgia
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Georgia ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Muscogee County | $485 | Relatively Moderate | $182,300 |
| 2 | Fulton County | $512 | Relatively High | $431,200 |
| 3 | Spalding County | $517 | Very Low | $196,600 |
| 4 | Jones County | $530 | Very Low | $174,600 |
| 5 | Clarke County | $531 | Relatively Low | $271,900 |
| 6 | Houston County | $535 | Relatively Low | $205,600 |
| 7 | DeKalb County | $538 | Relatively Moderate | $331,400 |
| 8 | Talbot County | $545 | Very Low | $127,200 |
| 9 | Lamar County | $548 | Very Low | $201,400 |
| 10 | Bibb County | $559 | Relatively Low | $165,800 |
| 11 | Newton County | $562 | Relatively Low | $233,300 |
| 12 | Pike County | $567 | Very Low | $265,700 |
| 13 | Clayton County | $567 | Relatively Moderate | $194,500 |
| 14 | Coweta County | $576 | Relatively Low | $321,900 |
| 15 | Upson County | $587 | Very Low | $149,500 |
| 16 | Meriwether County | $592 | Very Low | $154,600 |
| 17 | Barrow County | $611 | Relatively Low | $255,200 |
| 18 | Henry County | $611 | Relatively Low | $277,400 |
| 19 | Walton County | $616 | Relatively Low | $300,500 |
| 20 | Jasper County | $625 | Very Low | $219,700 |
| 21 | Rockdale County | $643 | Relatively Low | $256,600 |
| 22 | Gwinnett County | $655 | Relatively High | $345,700 |
| 23 | Monroe County | $657 | Very Low | $243,200 |
| 24 | Troup County | $661 | Relatively Low | $187,800 |
| 25 | Lowndes County | $662 | Relatively Low | $197,900 |
| 26 | Douglas County | $667 | Relatively Low | $262,200 |
| 27 | Harris County | $667 | Very Low | $278,700 |
| 28 | Haralson County | $668 | Very Low | $210,400 |
| 29 | Paulding County | $676 | Relatively Low | $289,000 |
| 30 | Butts County | $693 | Very Low | $227,800 |
| 31 | Jackson County | $703 | Very Low | $312,700 |
| 32 | Cobb County | $714 | Relatively High | $373,700 |
| 33 | Madison County | $718 | Very Low | $198,800 |
| 34 | Carroll County | $729 | Relatively Low | $227,500 |
| 35 | Schley County | $731 | Very Low | $152,900 |
| 36 | Peach County | $731 | Very Low | $186,100 |
| 37 | Ben Hill County | $733 | Very Low | $114,600 |
| 38 | Fayette County | $734 | Relatively Low | $405,600 |
| 39 | Habersham County | $741 | Very Low | $212,000 |
| 40 | Crawford County | $744 | Very Low | $144,800 |
| 41 | McDuffie County | $751 | Very Low | $155,100 |
| 42 | Richmond County | $758 | Relatively Moderate | $163,300 |
| 43 | Laurens County | $759 | Relatively Low | $137,400 |
| 44 | Marion County | $769 | Very Low | $122,100 |
| 45 | Cherokee County | $790 | Relatively Moderate | $389,800 |
| 46 | Oglethorpe County | $795 | Very Low | $198,700 |
| 47 | Heard County | $796 | Very Low | $161,000 |
| 48 | Hall County | $798 | Relatively Moderate | $313,600 |
| 49 | Stephens County | $810 | Very Low | $168,200 |
| 50 | Bartow County | $819 | Relatively Low | $262,200 |
| 51 | Wilkinson County | $822 | Very Low | $90,800 |
| 52 | Oconee County | $829 | Very Low | $425,100 |
| 53 | Elbert County | $834 | Very Low | $114,600 |
| 54 | Washington County | $844 | Very Low | $115,600 |
| 55 | Pickens County | $858 | Very Low | $289,600 |
| 56 | Baldwin County | $860 | Relatively Low | $164,700 |
| 57 | Dawson County | $861 | Very Low | $351,900 |
| 58 | Johnson County | $863 | Very Low | $91,200 |
| 59 | Banks County | $876 | Very Low | $251,700 |
| 60 | Hart County | $878 | Very Low | $206,500 |
| 61 | Treutlen County | $885 | Very Low | $98,400 |
| 62 | Echols County | $916 | Very Low | $112,600 |
| 63 | Wilkes County | $921 | Very Low | $105,000 |
| 64 | Lanier County | $922 | Very Low | $161,100 |
| 65 | Taliaferro County | $934 | Very Low | $73,100 |
| 66 | Taylor County | $934 | Very Low | $82,900 |
| 67 | Franklin County | $935 | Very Low | $160,600 |
| 68 | Ware County | $939 | Relatively Low | $106,500 |
| 69 | Warren County | $939 | Very Low | $78,000 |
| 70 | Long County | $941 | Very Low | $196,500 |
| 71 | Lincoln County | $941 | Very Low | $163,600 |
| 72 | Twiggs County | $947 | Very Low | $104,500 |
| 73 | Camden County | $976 | Relatively Low | $233,900 |
| 74 | Glascock County | $978 | Very Low | $122,800 |
| 75 | Polk County | $980 | Relatively Low | $163,500 |
| 76 | Columbia County | $989 | Relatively Low | $287,400 |
| 77 | Coffee County | $991 | Relatively Low | $125,700 |
| 78 | Wayne County | $991 | Relatively Low | $149,800 |
| 79 | Montgomery County | $999 | Very Low | $118,200 |
| 80 | Stewart County | $1,013 | Very Low | $53,000 |
| 81 | Burke County | $1,019 | Very Low | $107,800 |
| 82 | Lee County | $1,025 | Very Low | $226,900 |
| 83 | Hancock County | $1,027 | Very Low | $87,400 |
| 84 | Candler County | $1,028 | Very Low | $135,600 |
| 85 | Brantley County | $1,031 | Very Low | $91,800 |
| 86 | Forsyth County | $1,034 | Relatively Moderate | $493,800 |
| 87 | Dougherty County | $1,043 | Relatively Moderate | $129,200 |
| 88 | Catoosa County | $1,045 | Relatively Low | $214,200 |
| 89 | Morgan County | $1,047 | Very Low | $323,100 |
| 90 | Tift County | $1,048 | Relatively Low | $143,100 |
| 91 | Whitfield County | $1,049 | Relatively Moderate | $198,900 |
| 92 | Union County | $1,056 | Relatively Low | $272,600 |
| 93 | Murray County | $1,060 | Relatively Low | $173,300 |
| 94 | Effingham County | $1,066 | Relatively Low | $245,300 |
| 95 | Toombs County | $1,071 | Very Low | $127,100 |
| 96 | Emanuel County | $1,078 | Very Low | $88,200 |
| 97 | Floyd County | $1,081 | Relatively Moderate | $194,100 |
| 98 | Worth County | $1,087 | Very Low | $112,400 |
| 99 | Sumter County | $1,088 | Relatively Low | $122,300 |
| 100 | Bulloch County | $1,095 | Relatively Low | $191,600 |
| 101 | Thomas County | $1,098 | Relatively Low | $185,300 |
| 102 | Atkinson County | $1,117 | Very Low | $76,300 |
| 103 | Greene County | $1,127 | Very Low | $342,200 |
| 104 | Jefferson County | $1,129 | Very Low | $93,100 |
| 105 | Walker County | $1,138 | Relatively Low | $173,900 |
| 106 | Glynn County | $1,157 | Relatively Moderate | $268,300 |
| 107 | Lumpkin County | $1,157 | Relatively Low | $277,200 |
| 108 | Pierce County | $1,159 | Very Low | $132,100 |
| 109 | Colquitt County | $1,185 | Relatively Low | $121,400 |
| 110 | Jeff Davis County | $1,191 | Very Low | $109,300 |
| 111 | Putnam County | $1,198 | Relatively Low | $222,000 |
| 112 | Berrien County | $1,257 | Very Low | $115,200 |
| 113 | Jenkins County | $1,259 | Very Low | $81,100 |
| 114 | Fannin County | $1,268 | Relatively Low | $274,600 |
| 115 | Turner County | $1,307 | Very Low | $95,200 |
| 116 | Grady County | $1,316 | Relatively Low | $136,500 |
| 117 | Charlton County | $1,329 | Very Low | $119,000 |
| 118 | Gordon County | $1,329 | Relatively Low | $205,600 |
| 119 | Towns County | $1,338 | Very Low | $311,900 |
| 120 | White County | $1,359 | Relatively Low | $262,200 |
| 121 | Dade County | $1,363 | Very Low | $166,600 |
| 122 | Cook County | $1,365 | Very Low | $123,000 |
| 123 | Chattooga County | $1,366 | Relatively Low | $98,700 |
| 124 | Bacon County | $1,376 | Very Low | $104,100 |
| 125 | Pulaski County | $1,389 | Very Low | $144,300 |
| 126 | Chattahoochee County | $1,395 | Very Low | $99,800 |
| 127 | Crisp County | $1,396 | Relatively Low | $120,800 |
| 128 | Wheeler County | $1,400 | Very Low | $74,600 |
| 129 | Terrell County | $1,402 | Very Low | $111,500 |
| 130 | Rabun County | $1,408 | Relatively Low | $272,600 |
| 131 | Brooks County | $1,414 | Very Low | $118,100 |
| 132 | Evans County | $1,442 | Very Low | $139,700 |
| 133 | Macon County | $1,493 | Very Low | $87,000 |
| 134 | Dodge County | $1,496 | Relatively Low | $108,700 |
| 135 | Irwin County | $1,516 | Very Low | $105,300 |
| 136 | Gilmer County | $1,531 | Relatively Low | $278,900 |
| 137 | Bleckley County | $1,541 | Very Low | $132,900 |
| 138 | Dooly County | $1,547 | Very Low | $96,400 |
| 139 | Randolph County | $1,642 | Very Low | $90,900 |
| 140 | Telfair County | $1,643 | Very Low | $108,200 |
| 141 | Wilcox County | $1,678 | Very Low | $71,200 |
| 142 | Appling County | $1,775 | Relatively Low | $81,400 |
| 143 | Webster County | $1,842 | Very Low | $92,200 |
| 144 | Clinch County | $1,846 | Very Low | $86,300 |
| 145 | Mitchell County | $1,934 | Relatively Low | $105,500 |
| 146 | Screven County | $2,004 | Relatively Low | $122,300 |
| 147 | Clay County | $2,014 | Very Low | $92,500 |
| 148 | Bryan County | $2,088 | Relatively Low | $317,100 |
| 149 | Early County | $2,090 | Relatively Low | $130,100 |
| 150 | Decatur County | $2,169 | Relatively Low | $146,200 |
| 151 | Miller County | $2,180 | Very Low | $118,300 |
| 152 | Chatham County | $2,321 | Relatively High | $273,300 |
| 153 | Seminole County | $2,421 | Very Low | $111,600 |
| 154 | Quitman County | $2,492 | Very Low | $103,000 |
| 155 | Calhoun County | $2,524 | Very Low | $82,200 |
| 156 | Baker County | $2,576 | Very Low | $120,100 |
| 157 | Tattnall County | $2,649 | Relatively Low | $122,400 |
| 158 | Liberty County | $2,921 | Relatively Moderate | $180,200 |
| 159 | McIntosh County | $3,525 | Relatively Low | $173,900 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Georgia