Habersham County
Georgia — Natural Disaster Risk Assessment
Very LowComposite Risk Score
National percentile: 39th
Habersham County faces very low composite natural disaster risk (NRI Risk Index score 38.9, 39th national percentile), driven primarily by lightning and ice storm exposure. Expected annual loss across all 18 hazard types is $12M.
Source: FEMA National Risk Index v1.20 · Updated December 2025
Top Hazards
All 18 Hazard Risks
| Lightning | Medium | 61.68 / yr | $623K |
| Ice Storm | Medium | 1.59 / yr | $289K |
| Cold Wave | Medium | 0.53 / yr | $2M |
| Landslide | Low | 0.81 / yr | $5K |
| Earthquake | Low | 0.00 / yr | $555K |
| Tornado | Low | 0.15 / yr | $2M |
| Hurricane | Very Low | 0.03 / yr | $164K |
| Hail | Low | 4.55 / yr | $262K |
| Wildfire | Very Low | 0.00 / yr | $43K |
| Riverine Flood | Low | 1.18 / yr | $5M |
| Strong Wind | Low | 2.36 / yr | $404K |
| Drought | Low | 40.01 / yr | $39K |
| Winter Weather | Very Low | 5.48 / yr | $12K |
| Heat Wave | Very Low | 0.11 / yr | $13K |
| Avalanche | Very Low | 0.00 / yr | $0 |
| Coastal Flood | Very Low | 0.00 / yr | $0 |
| Tsunami | Very Low | 0.00 / yr | $0 |
| Volcanic Activity | Very Low | 0.00 / yr | $0 |
Frequently Asked Questions
What is the overall natural disaster risk for Habersham County?
Habersham County has a composite FEMA National Risk Index score of 38.9 out of 100, placing it in the Very Low category and the 39th national percentile. This combines Expected Annual Loss, Social Vulnerability, and Community Resilience across 18 hazard types.
What are the top natural hazards in Habersham County?
The three highest-rated hazards are Lightning (Medium, $623K EAL), Ice Storm (Medium, $289K EAL), Cold Wave (Medium, $2M EAL). These account for most of the county's expected annual losses.
How does Habersham County compare to other Georgia counties?
Habersham County ranks #77 of 159 Georgia counties for overall natural disaster risk, with a very low rating.
What does Expected Annual Loss (EAL) mean?
EAL is FEMA's estimate of average annual dollar losses from natural hazards, calculated from historical event data and exposure models. Habersham County's $12M EAL is a statistical average, not a guarantee for any specific year or address.