Cumming Public School-Cumming High School · Photo: Bruce Warmbrod · CC BY-SA 3.0FEMA puts Cumming’s expected hazard damage per building below that of 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Cumming gets a B+ for hazard risk: lower expected damage per building than 75% of U.S. towns, #111 of 264 in Georgia. Most of that expected damage is river and rain flooding (73%), then tornadoes (13%). 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 Cumming 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 Cumming’s grade
River and rain flooding is 73% of the building damage FEMA expects in Cumming, and Cumming’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Next is tornadoes at 13% (higher than 76% of U.S. census tracts).
B+ #111 of 264 in Georgia; lower expected damage per building than 75% of U.S. towns (21,298).
Cumming’s residents live in 6 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, Cumming has less expected damage per building than 58% of Georgia towns.
In dollars, FEMA expects about $2.2M a year in losses across Cumming: $1.7M to buildings, the rest to people and crops.
Does Cumming flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Cumming. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Cumming isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Forsyth County.4 federal disasters brought FEMA money to Cumming
Disasters that paid out in Cumming itself (aid to households or repair grants to the City of Cumming), newest first, with that year’s flood claims.
- 2020Tropical Storm Zeta$39K to the City of Cumming for repairs
- 2017Hurricane Irma$59K to the City of Cumming for repairs
- 2004Hurricane Ivan26 households applied for aid$53K aid approved$33K to the City of Cumming for repairs
- 2000Severe Winter Storm$6K to the City of Cumming for repairs
Forsyth County has had 13 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Cumming after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Cumming archive →Get ready for what Cumming 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 Cumming
Is Cumming at risk for natural disasters?
On FEMA’s National Risk Index, Cumming has lower expected damage per building than 75% of U.S. towns: B+ for hazard risk, #111 of 264 in Georgia. Most of the expected damage is river and rain flooding (73%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Cumming 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 Forsyth County, 63% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Cumming?
FEMA’s Community Rating System list shows no discount for Cumming’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 Cumming?
By FEMA money that reached Cumming, Hurricane Ivan (2004): 26 households applied for aid, $53K approved, and $33K to the City of Cumming for repairs.
Is Cumming at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Cumming’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Cumming.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Cumming’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.