Photo: Bill Golladay · CC BY-SA 4.0FEMA expects less hazard damage per building in Bremen than in 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bremen gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns, #52 of 264 in Georgia. Most of that expected damage is river and rain flooding (64%), then tornadoes (17%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Bremen 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
Tornadoes
Earthquakes
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.
What’s behind Bremen’s grade
River and rain flooding is 64% of the building damage FEMA expects in Bremen, and Bremen’s rate of river and rain flooding damage is lower than 78% of U.S. census tracts. Next is tornadoes at 17% (higher than 83% of U.S. census tracts).
A− #52 of 264 in Georgia; lower expected damage per building than 84% of U.S. towns (21,298).
Bremen’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Georgia town has lower expected damage than 72% of U.S. towns; within the state, Bremen has less expected damage per building than 81% of Georgia towns.
In dollars, FEMA expects about $1.7M a year in losses across Bremen: $1.3M to buildings, the rest to people and crops.
Does Bremen flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Bremen. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Bremen isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Haralson County.3 federal disasters brought FEMA money to Bremen
Disasters that paid out in Bremen itself (aid to households or repair grants to the City of Bremen), newest first, with that year’s flood claims.
- 2017Hurricane Irma$205K to the City of Bremen for repairs
- 2014Severe Winter Storm$20K to the City of Bremen for repairs
- 2000Severe Winter Storm$8K to the City of Bremen for repairs
Haralson County has had 12 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Bremen after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bremen archive →Bremen and its neighbors
Bremen has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Bremen | A−less damage than 84% | river and rain flooding | 0 |
| Waco | — | 779 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Bremen faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Bremen
Is Bremen at risk for natural disasters?
On FEMA’s National Risk Index, Bremen has lower expected damage per building than 84% of U.S. towns: A− for hazard risk, #52 of 264 in Georgia. Most of the expected damage is river and rain flooding (64%) and tornadoes (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Bremen 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 Haralson County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Bremen?
FEMA’s Community Rating System list shows no discount for Bremen’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 Bremen?
By FEMA money that reached Bremen, Hurricane Irma (2017): $205K to the City of Bremen for repairs.
Is Bremen at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (64%), and Bremen’s rate for it is lower than 78% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bremen.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bremen’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.