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Natural hazard risk in Dade County, Georgia

Updated October 30, 2026. Based on FEMA, NOAA and OpenFEMA data. Published by Humblebee.

FEMA overall Risk Index rating: Very Low (score 33.2 of 100)[5]

Expected annual loss (FEMA)
$8.4 million[1]
Federal disaster declarations since 1973
19[2]
NFIP flood claims paid, 1978 to 2026
$109,000[3]
Tornadoes recorded, 1950 to 2024
4[4]

FEMA's National Risk Index rates overall natural hazard risk in Dade County, Georgia, Very Low compared with other US counties, with a Risk Index score of 33.2 out of 100[5]. Within the county, the hazards with the highest FEMA scores are tornado, landslide and cold wave[6].

FEMA risk ratings for each hazard

Ratings and expected losses from the FEMA National Risk Index. Each rating compares this county with all US counties for that hazard, from Very Low to Very High. They are planning estimates, not predictions, and they do not describe any single property.

FEMA's National Risk Index estimates Expected Annual Loss from all natural hazards in Dade County at $8.4 million a year, rated Very Low[1]. This is FEMA's estimate of average yearly economic loss, not money anyone paid, and it is not a prediction of next year's losses[7]. Tornado accounts for $2.3 million a year of expected loss[8], inland flooding for $3.5 million[9] and cold wave for $1.4 million[10]. FEMA rates Social Vulnerability Relatively High (score 66.0), which describes how susceptible social groups are to harm from hazards[11]. FEMA rates Community Resilience Very Low (score 12.8), which describes the ability to prepare for, withstand and recover from hazards[12].

Hazards sorted by FEMA hazard-type Risk Index score, highest first
HazardFEMA risk ratingExpected annual loss
TornadoRelatively Moderate$2.3 million[8]
LandslideRelatively Low$4,633[13]
Cold WaveRelatively Moderate$1.4 million[10]
EarthquakeVery Low$306,000[14]
Strong WindRelatively Moderate$475,000[15]
Winter WeatherRelatively Low$51,000[16]
WildfireVery Low$37,000[17]
DroughtRelatively Low$82,000[18]
Ice StormRelatively Low$48,000[19]
HurricaneVery Low$21,000[20]
Inland FloodingRelatively Low$3.5 million[9]
LightningRelatively Low$71,000[21]
Heat WaveVery Low$74,000[22]
HailVery Low$48,000[23]

Rated Not Applicable by FEMA for this county: avalanche, coastal flooding, tsunami, volcanic activity[24].

Social vulnerability and community resilience

FEMA uses these two ratings to scale expected losses into the Risk Index.

FEMA measureRatingScore
Social vulnerabilityRelatively High66.0[11]
Community resilienceVery Low12.8[12]

Flooding and flood insurance

FEMA rates inland flooding risk in Dade County Relatively Low (score 37.3 of 100), with Expected Annual Loss of $3.5 million a year[9]. OpenFEMA data shows 26 residential flood insurance contracts in force out of 6,980 residential structures, a penetration rate of 0.4%[25]. From 1978 to 2026, 9 NFIP claims were filed for losses in the county and NFIP paid $109,000 in total[3]. To check the flood zone of a specific address, use FEMA's Flood Map Service Center[26].

Measure Value
Inland Flooding, FEMA risk rating[9] Relatively Low, $3.5 million expected loss a year
NFIP residential flood policies in force (2026)[25] 26 of 6,980 homes
Homes in FEMA's mapped high-risk flood area (SFHA)[25] 210, of which 19 insured
NFIP flood claims, 1978 to 2026[3] 9 filed, $109,000 paid

Is a specific address in a flood zone? Only FEMA's flood maps answer that, property by property[26]. This page describes the whole county.

Search an address on the FEMA Flood Map Service Center

Disaster declarations and tornado records

OpenFEMA lists 19 federal disaster declarations for natural hazards that include Dade County since 1973, including 10 major disaster declarations[2]. The most recent was EM-3657-GA, Hurricane Isaias, declared 2026-10-09[27]. NOAA's tornado database records 4 tornadoes that touched the county from 1950 to 2024, with the strongest rated EF1[4]. The most recent recorded tornado was on 2015-04-03[4].

Federal disaster declarations for natural hazards that include Dade County, since 1973
Incident type Declarations
Hurricane[2] 5
Severe Storm[2] 4
Tornado[2] 2
Tropical Storm[2] 2
Severe Ice Storm[2] 2
Fire[2] 1
Drought[2] 1
Snowstorm[2] 1
Winter Storm[2] 1
Most recent declarations
Declaration Incident Declared
EM-3657-GA[27] Hurricane Isaias 2026-10-09
EM-3642-GA[27] Severe Winter Storm 2026-01-24
EM-3616-GA[27] Hurricane Helene 2024-09-26
DR-4338-GA[27] Hurricane Irma 2017-09-15
EM-3387-GA[27] Hurricane Irma 2017-09-08

How to prepare

Steps from Ready.gov, FEMA's preparedness site, for the hazards with the highest FEMA ratings here. Follow instructions from local officials and the National Weather Service when a warning is issued.

Tornadoes

Before

  • Learn the warning signs: a rotating funnel cloud, an approaching cloud of debris or a loud roar like a freight train.
  • Sign up for community warning systems and learn what your local sirens sound like.
  • Pick a safe spot, such as a safe room built to FEMA criteria or an ICC 500 storm shelter, and practice getting there.
  • Include your pets in the household emergency plan.
  • Keep supplies, food, water and medication in case you have to stay home for a long time.

During

  • Go right away to the safe place you picked in advance.
  • Protect your head and neck with your arms and stay away from windows, doors and outside walls.
  • No place in a car is fully safe. If you can get lower than the road, leave the car and lie down there.

Source: Ready.gov, tornadoes

Winter storms and cold

Before

  • Insulate your home and learn how to keep pipes from freezing.
  • Install and test smoke and carbon monoxide detectors with battery backup.
  • Keep several days of supplies in case the power goes out, including medication and pet needs.
  • Put an emergency kit in your car with jumper cables, sand, blankets, water and snacks, and keep the tank full.

During

  • Under a winter storm warning, find shelter right away.
  • Stay off the roads if you can. If you are stuck in your car, stay inside it.
  • Run generators and grills only outdoors, away from windows, and never heat your home with an oven or stove.

Source: Ready.gov, winter storms and cold

Questions people ask

Is Dade County, Georgia at risk of tornadoes?
FEMA rates tornado risk in Dade County Relatively Moderate compared with other US counties, with a score of 74.0 of 100[8]. NOAA's tornado database records 4 tornadoes that touched the county from 1950 to 2024, none rated EF3 or stronger[4].
Does Dade County flood?
FEMA rates inland flooding risk Relatively Low, with a score of 37.3 of 100[9]. NFIP paid $109,000 in total on claims for losses in the county from 1978 to 2026[3].
How many disasters have been declared in Dade County?
OpenFEMA lists 19 federal disaster declarations for natural hazards that include Dade County since 1973[2]. Hurricane was the most common incident type, with 5 declarations[2].
Is Dade County at risk of earthquakes?
FEMA rates earthquake risk in Dade County Very Low compared with other US counties, with a modeled annual frequency of 0.003 events per year[14].
How can I check if a home in Dade County is in a flood zone?
Look up the address on FEMA's Flood Map Service Center or ask the local floodplain manager[26]. County-level ratings do not tell you the flood zone of a single address[26].

Facts and sources

  1. FEMA National Risk Index (version 1.20, December 2025): Expected Annual Loss from all 18 natural hazards in Dade County is $8.4 million a year (Expected Annual Loss rating Very Low, score 28.3). Of this, buildings account for $4.8 million, injuries and deaths (converted to dollars by FEMA) for $3.5 million and... FEMA National Risk Index
  2. OpenFEMA Disaster Declarations Summaries list 19 federal disaster declarations for natural hazards that include Dade County since 1973 (10 major disaster, 9 emergency or fire management). By incident type: hurricane 5, severe storm 4, tornado 2, tropical storm 2, severe ice storm 2, fire 1, drought 1, snowstorm 1,... OpenFEMA Disaster Declarations
  3. HazardFacts tally of OpenFEMA NFIP Redacted Claims (losses from 1978 to 2026): 9 National Flood Insurance Program claims were filed for losses in Dade County, 5 of them with a payment, and NFIP paid $109,000 in total (building, contents and increased cost of compliance, in dollars of the year paid). OpenFEMA NFIP claims
  4. NOAA Storm Prediction Center tornado database (1950 to 2024): 4 recorded tornadoes touched Dade County. The strongest were rated EF1 (most recent of them on 2015-04-03). 0 were rated F3/EF3 or stronger. The most recent recorded tornado was on 2015-04-03. Ratings used the Fujita scale until early 2007 and the... NOAA Storm Prediction Center
  5. FEMA National Risk Index (version 1.20, December 2025): the overall natural hazard Risk Index rating for Dade County is Very Low, with a Risk Index score of 33.2 out of 100. The score is the county's percentile rank among all US counties. FEMA National Risk Index
  6. Among the 18 hazards in the FEMA National Risk Index (version 1.20, December 2025), the hazards with the highest hazard-type Risk Index scores for Dade County are tornado (74.0, Relatively Moderate), landslide (69.7, Relatively Low), cold wave (65.7, Relatively Moderate). HazardFacts sorted FEMA's published scores;... FEMA National Risk Index
  7. FEMA's National Risk Index FAQ (December 2025): Expected Annual Loss is FEMA's estimate of the average economic loss in dollars from natural hazards each year. The index is not meant to predict how much damage a community will have in the next year, and a hazard can still cause damage where a rating is low. Scores... FEMA National Risk Index documentation
  8. FEMA National Risk Index (version 1.20, December 2025), tornado in Dade County: Risk Index rating Relatively Moderate (score 74.0 of 100). Expected Annual Loss $2.3 million a year (rating Relatively Moderate). Annualized frequency 0.13 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  9. FEMA National Risk Index (version 1.20, December 2025), inland flooding in Dade County: Risk Index rating Relatively Low (score 37.3 of 100). Expected Annual Loss $3.5 million a year (rating Very Low). Annualized frequency 0.57 event-days per year, from recorded occurrences over a period of record of 26 years. FEMA National Risk Index
  10. FEMA National Risk Index (version 1.20, December 2025), cold wave in Dade County: Risk Index rating Relatively Moderate (score 65.7 of 100). Expected Annual Loss $1.4 million a year (rating Relatively Moderate). Annualized frequency 1.58 event-days per year, from recorded occurrences over a period of record of 18... FEMA National Risk Index
  11. FEMA National Risk Index (version 1.20, December 2025): Social Vulnerability rating for Dade County is Relatively High (score 66.0). FEMA describes social vulnerability as how susceptible social groups are to the harm natural hazards cause. FEMA National Risk Index
  12. FEMA National Risk Index (version 1.20, December 2025): Community Resilience rating for Dade County is Very Low (score 12.8). FEMA describes community resilience as a community's ability to prepare for, withstand and recover from hazards. FEMA National Risk Index
  13. FEMA National Risk Index (version 1.20, December 2025), landslide in Dade County: Risk Index rating Relatively Low (score 69.7 of 100). Expected Annual Loss $4,633 a year (rating Very Low). FEMA National Risk Index
  14. FEMA National Risk Index (version 1.20, December 2025), earthquake in Dade County: Risk Index rating Very Low (score 56.3 of 100). Expected Annual Loss $306,000 a year (rating Relatively Low). FEMA's modeled annual frequency is 0.003 events per year. FEMA National Risk Index
  15. FEMA National Risk Index (version 1.20, December 2025), strong wind in Dade County: Risk Index rating Relatively Moderate (score 52.8 of 100). Expected Annual Loss $475,000 a year (rating Relatively Low). Annualized frequency 4.71 events per year, from recorded occurrences over a period of record of 38 years. FEMA National Risk Index
  16. FEMA National Risk Index (version 1.20, December 2025), winter weather in Dade County: Risk Index rating Relatively Low (score 50.3 of 100). Expected Annual Loss $51,000 a year (rating Relatively Low). Annualized frequency 5.53 events per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  17. FEMA National Risk Index (version 1.20, December 2025), wildfire in Dade County: Risk Index rating Very Low (score 50.0 of 100). Expected Annual Loss $37,000 a year (rating Very Low). FEMA's modeled annual frequency is 0.0024 events per year. FEMA National Risk Index
  18. FEMA National Risk Index (version 1.20, December 2025), drought in Dade County: Risk Index rating Relatively Low (score 45.5 of 100). Expected Annual Loss $82,000 a year (rating Relatively Low). Annualized frequency 30.32 event-days per year, from recorded occurrences over a period of record of 22 years. FEMA National Risk Index
  19. FEMA National Risk Index (version 1.20, December 2025), ice storm in Dade County: Risk Index rating Relatively Low (score 42.8 of 100). Expected Annual Loss $48,000 a year (rating Relatively Low). Annualized frequency 0.67 event-days per year, from recorded occurrences over a period of record of 68 years. FEMA National Risk Index
  20. FEMA National Risk Index (version 1.20, December 2025), hurricane in Dade County: Risk Index rating Very Low (score 38.1 of 100). Expected Annual Loss $21,000 a year (rating Very Low). Annualized frequency 0.02 events per year, from recorded occurrences over a period of record of 172 years for the Atlantic Basin... FEMA National Risk Index
  21. FEMA National Risk Index (version 1.20, December 2025), lightning in Dade County: Risk Index rating Relatively Low (score 25.2 of 100). Expected Annual Loss $71,000 a year (rating Very Low). Annualized frequency 61.33 events per year, from recorded occurrences over a period of record of 24 years. FEMA National Risk Index
  22. FEMA National Risk Index (version 1.20, December 2025), heat wave in Dade County: Risk Index rating Very Low (score 24.6 of 100). Expected Annual Loss $74,000 a year (rating Very Low). Annualized frequency 1.63 event-days per year, from recorded occurrences over a period of record of 18 years. FEMA National Risk Index
  23. FEMA National Risk Index (version 1.20, December 2025), hail in Dade County: Risk Index rating Very Low (score 17.3 of 100). Expected Annual Loss $48,000 a year (rating Very Low). Annualized frequency 4.33 events per year, from recorded occurrences over a period of record of 37 years. FEMA National Risk Index
  24. FEMA National Risk Index (version 1.20, December 2025) rates these hazards Not Applicable for Dade County: avalanche, coastal flooding, tsunami, volcanic activity. FEMA uses Not Applicable when its source data has no historical record of the hazard in the community and the hazard is not considered geographically... FEMA National Risk Index documentation
  25. NFIP Residential Penetration Rates (OpenFEMA, as of 2026-08-03): 26 residential flood insurance contracts were in force in Dade County, out of 6,980 residential structures, a penetration rate of 0.4%. Inside FEMA's mapped Special Flood Hazard Area there were 210 residential structures and 19 contracts, a rate of 9%. OpenFEMA NFIP penetration rates
  26. FEMA's Flood Map Service Center is the official public source for flood maps (Flood Insurance Rate Maps) produced under the National Flood Insurance Program. Flood zones apply to specific properties: look up an address there or ask the local floodplain manager. County-level ratings do not tell you the flood zone of... FEMA Flood Map Service Center
  27. Most recent federal disaster declarations for natural hazards (table on this page). OpenFEMA Disaster Declarations

FEMA's National Risk Index compares each county with all other US counties. Ratings are relative (Very Low to Very High), not a measure of safety. Never call a place safe, unsafe, good or bad to live in. Risk Index and Expected Annual Loss values are FEMA estimates for planning. They do not predict next year's losses and do not apply to a single property. Flood zones are set by FEMA flood maps for specific properties. County ratings and flood insurance counts do not tell anyone whether an address is in a flood zone. Disaster declaration, NFIP and tornado counts are records of the past for this county only. Do not compare with other counties unless a fact does.

Federal Emergency Management Agency (FEMA), National Risk Index Dataset: National Risk Index Counties, v1.20 (December 2025). Retrieved from fema.maps.arcgis.com on October 30, 2026. This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets 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). This product uses the FEMA OpenFEMA API, but is not endorsed by FEMA.