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BHazard risk
Natural hazards in Davisboro · FEMA

On FEMA’s figures, Davisboro faces less hazard damage per building than 64% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Davisboro gets a B for hazard risk: lower expected damage per building than 64% of U.S. towns. Most of that expected damage is river and rain flooding (62%), then hurricanes (19%). Flood insurance has paid 2 claims here since 2020.

River and rain flooding 62%Hurricanes 19%Tornadoes 7%

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

less than 64%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B
in Georgia · lower than 64% of U.S. towns
Main hazard
River and rain flooding
62% of expected building damage
Flood claims
2
paid since 2020 · $82K
Disasters paid out here
3
of 9 declared for Washington County
By hazard

What Davisboro 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

62%of expected building damage
Below average · lower than 63% of U.S. census tracts
Recorded about once every 3 years in the area

Hurricanes

19%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about once every 9 years in the area

Tornadoes

7%of expected building damage
Above average · higher than 62% of U.S. census tracts
Recorded about once every 9 years in the area

Earthquakes

6%of expected building damage
Above average · higher than 65% of U.S. census tracts
Smaller shares here
 Strong wind Wildfire Ice storms Hail Lightning Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 39% of Davisboro’s expected losses. Drought does little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Hazard risk grade

What’s behind Davisboro’s grade

River and rain flooding is 62% of the building damage FEMA expects in Davisboro, and Davisboro’s rate of river and rain flooding damage is lower than 63% of U.S. census tracts. Next is hurricanes at 19% (higher than 84% of U.S. census tracts).

Where Davisboro sits
Davisboro
Least damageMiddleMost damage

B lower expected damage per building than 64% of U.S. towns (21,298).

All of Davisboro’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding62%Hurricanes19%Tornadoes7%Everything else11%

In dollars, FEMA expects about $670K a year in losses across Davisboro: $278K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Helene in 2024, FEMA took 359 aid registrations from Davisboro addresses (the town has 290 homes) and flood insurance paid 1 claims for $24K.
Shared tract.All of Davisboro’s 1,832 residents (2020 census) live in one census tract, which it shares with Harrison town (339 residents) and Riddleville town (80 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Davisboro flood? Rarely: 2 flood claims since 2020

Every paid claim on a federal flood insurance policy in Davisboro, from FEMA’s records: 6.9 per 1,000 homes, more than 67% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2020: 1 claim2021: 0 claims2022: 0 claims2023: 0 claims2024: 1 claim2025: 0 claims2026: 0 claims20202024
20202026
Biggest named events
  • Hurricane Helene1 claim · $24K
2
paid claims since 2020
$82K
paid to owners
0
homes flooded more than once
$41K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Washington County.
Disasters

3 federal disasters brought FEMA money to Davisboro

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

  1. 2024Hurricane Helene359 households applied for aid$550K aid approved$166K to the City of Davisboro for repairs1 flood claim paid for it, $24K
  2. 2017Hurricane Irma$21K to the City of Davisboro for repairs
  3. 2014Severe Winter Storm$30K to the City of Davisboro for repairs
Disasters declared, by decade
Paid out in DavisboroWashington County only

Washington County has had 9 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.

Were you here?

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

Add to the Davisboro archive →
Be ready

Get ready for what Davisboro 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Davisboro

Is Davisboro at risk for natural disasters?

On FEMA’s National Risk Index, Davisboro has lower expected damage per building than 64% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (62%) and hurricanes (19%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Davisboro flood?

Flood insurance has paid 2 claims in Davisboro since 2020, $82K in all, or 6.9 per 1,000 homes, more than 67% of U.S. towns with a flood insurance record. The most claims came from Hurricane Helene (1).

Is Davisboro 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 Washington County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.

How much is flood insurance in Davisboro?

FEMA’s Community Rating System list shows no discount for Davisboro’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 Davisboro?

By FEMA money that reached Davisboro, Hurricane Helene (2024): 359 households applied for aid, $550K approved, and $166K to the City of Davisboro for repairs. By flood claims, Hurricane Helene: 1 paid, $24K.

Is Davisboro at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (62%), and Davisboro’s rate for it is lower than 63% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Davisboro.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Davisboro’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.