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–Not graded
Natural hazards in Fulton · FEMA

Storms, floods and disasters in Fulton

Fulton isn’t graded for hazard risk: Fulton has 431 residents; we grade towns of 1,000 or more. Flood insurance has paid 8 claims here since 2018.

Flood claims
8
paid since 2018 · $456K
Flooded more than once
1
properties
Disasters paid out here
6
of 22 declared for Clarke County
By hazard

What Fulton faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

River and rain flooding

50%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

40%of expected building damage
Well above average · in the top 6% of U.S. census tracts
Recorded about once every 7 years in the area

Tornadoes

7%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 16 years in the area
Smaller shares here
 Earthquakes Strong wind Hail Lightning top 4% Wildfire Ice storms Cold waves top 3% Landslides top 4% Winter storms Heat waves
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Fulton flood? Rarely: 8 flood claims since 2018

Every paid claim on a federal flood insurance policy in Fulton, from FEMA’s records.

Paid flood claims, by year
2018: 8 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2018
20182026
8
paid claims since 2018
$456K
paid to owners
1
homes flooded more than once
$57K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Fulton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clarke County.
Disasters

6 federal disasters brought FEMA money to Fulton

Disasters that paid out in Fulton itself (aid to households or repair grants to the Town of Fulton), newest first, with that year’s flood claims.

  1. 2020Hurricane Zeta40 households applied for aid$115K aid approved$23K to the Town of Fulton for repairs
  2. 2009Severe Storms, Flooding, Tornadoes and Straight-line$5K to the Town of Fulton for repairs
  3. 2005Hurricane Katrina105 households applied for aid$131K aid approved
  4. 2005Hurricane Dennis$15K to the Town of Fulton for repairs
  5. 2004Hurricane Ivan119 households applied for aid$175K aid approved$25K to the Town of Fulton for repairs
  6. 2003Severe Storms, Tornadoes, and Flooding34 households applied for aid$43K aid approved
Disasters declared, by decade
Paid out in FultonClarke County only

Clarke County has had 22 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms.

Were you here?

Old photos of Fulton after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Fulton archive →
Be ready

Get ready for what Fulton faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • Turn around at flooded roads: a foot of moving water can carry off a car.
  • Flood insurance usually takes 30 days to start, so buy it before the forecast.
  • Keep papers and medicines up high, in a grab-and-go bag.
More from Ready.gov ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
More from Ready.gov ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
More from Ready.gov ↗
Before you buy or rent
  • Look up the address on FEMA’s flood map.
  • Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
  • Get a flood insurance quote early: policies usually start 30 days after you buy.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Fulton

Does Fulton flood?

Flood insurance has paid 8 claims in Fulton since 2018, $456K in all. 1 properties have flooded more than once.

Is Fulton in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Clarke County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Fulton?

FEMA’s Community Rating System list shows no discount for Fulton’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Fulton?

By FEMA money that reached Fulton, Hurricane Ivan (2004): 119 households applied for aid, $175K approved, and $25K to the Town of Fulton for repairs.

Storm stories

Memories, warnings and help from neighbors in Fulton.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fulton’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.