Natural Disasters in Cumming, GA

Hazard risk, disaster history, and FEMA data

Natural Hazard Risk

Source: FEMA National Risk Index

Risk Score

86.1

Relatively Moderate

Expected Annual Loss

89.8

Score (0-100)

Social Vulnerability

10.6

Score (0-100)

Community Resilience

73.2

Score (0-100)

Top Hazard Risks

Tornado94.3Hail87.5Lightning86.6

Hazard	Risk Score
Tornado	94.3
Hail	87.5
Lightning	86.6
Earthquake	82.8
Ice Storm	79.8
Cold Wave	79.8
Landslide	74.0
Strong Wind	71.0
Heat Wave	63.5
Hurricane	55.7
Wildfire	48.3
Winter Weather	27.8

Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.

Disaster Declarations

Source: FEMA OpenFEMA

Total Declarations

Most Recent

Winter Storm

Jan 2026

Most Common Type

Hurricane

6 declarations

Date	Type	Declaration
Jan 24, 2026	Winter Storm	SEVERE WINTER STORM
Sep 26, 2024	Tropical Storm	HURRICANE HELENE
Jan 12, 2021	Hurricane	TROPICAL STORM ZETA
Mar 29, 2020	Biological	COVID-19 PANDEMIC
Mar 13, 2020	Biological	COVID-19
Sep 15, 2017	Hurricane	HURRICANE IRMA
Sep 8, 2017	Hurricane	HURRICANE IRMA
Apr 20, 2015	Severe Ice Storm	SEVERE WINTER STORM
Feb 11, 2014	Severe Ice Storm	SEVERE WINTER STORM
Sep 5, 2005	Hurricane	HURRICANE KATRINA EVACUATION
Sep 18, 2004	Hurricane	HURRICANE IVAN
Jan 28, 2000	Severe Storm	SEVERE WINTER STORM
Mar 11, 1998	Severe Storm	SEVERE STORMS AND FLOODING
Oct 10, 1995	Hurricane	HURRICANE OPAL
Mar 15, 1993	Snowstorm	SEVERE SNOWFALL, WINTER STORM
Jul 20, 1977	Drought	DROUGHT
Apr 5, 1974	Tornado	TORNADOES

Individual Assistance

Source: FEMA Housing Assistance

Total IA Registrations

566

Total IA Distributed

$2,100,690

Repair/Replace

$138,404

Rental Assistance

$17,354

Disaster	Registrations	Total IA $	Avg Damage
DR-1750	1	N/A	—
DR-1833	1	N/A	—
DR-4501	353	$1,935,438	—
DR-1554	66	$108,302	$2,651
DR-1858	119	$54,250	$564
DR-4830	26	$2,700	—

Individual and household assistance for homeowners and renters affected by federally declared disasters.

Flood Insurance (NFIP)

Source: FEMA NFIP

Total Claims

Total Claims Paid

$928,252

Avg Claim Payout

$14,064

County-level NFIP data from FEMA National Flood Insurance Program.

Disaster Recovery Spending

Source: FEMA Public Assistance

Total Federal Spending

$9,865,066

Disasters with PA

Total Projects

Disaster	Type	Projects	Federal $
DR-4579	Tropical Storm	9	$2,476,465
DR-4215	Severe Ice Storm	6	$2,271,961
DR-4338	Other	10	$1,738,856
DR-1311	Severe Storm(s)	5	$1,397,673
DR-1554	Hurricane	20	$1,024,335
DR-4501	Biological	2	$730,349
DR-4830	Hurricane	3	$202,896
DR-1858	Severe Storm(s)	1	$22,530

Hazard Mitigation

Source: FEMA Hazard Mitigation Assistance

Mitigation Projects

Federal Funding

$87,363

Avg Benefit-Cost Ratio

0.00

BCR

Top Mitigation Project Types

Project Type	Projects	Federal $
600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan)	3	$58,712
91.3: Local Multihazard Mitigation Plan - UPDATE	1	$28,651

Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.

Cumming has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are tornado, hail, lightning. The area has had 17 federal disaster declarations. The most common disaster type is hurricane (6 declarations). 66 flood insurance claims have been filed in the area. FEMA has obligated $9,865,066 in public assistance recovery funding. $2,100,690 has been distributed in individual assistance to disaster-affected residents. 4 hazard mitigation projects have been funded to reduce future risk.