Ballard School · Photo: Ebyabe · CC BY-SA 3.0FEMA puts Dock Junction’s expected hazard damage per building above that of 71% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Dock Junction gets a C for hazard risk: higher expected damage per building than 71% of U.S. towns, #224 of 264 in Georgia. Most of that expected damage is hurricanes (74%), then river and rain flooding (15%). Flood insurance has paid 22 claims here since 2005.
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 Dock Junction faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
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 Dock Junction’s grade
Hurricanes are 74% of the building damage FEMA expects in Dock Junction, and Dock Junction’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Coastal flooding adds 4%, at a rate in the top 3% of U.S. census tracts.
C #224 of 264 in Georgia; higher expected damage per building than 71% of U.S. towns (21,298).
Dock Junction’s residents live in 4 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, Dock Junction has more expected damage per building than 85% of Georgia towns.
In dollars, FEMA expects about $3.6M a year in losses across Dock Junction: $2.9M to buildings, the rest to people and crops.
Does Dock Junction flood? Sometimes: 22 flood claims since 2005
Every paid claim on a federal flood insurance policy in Dock Junction, from FEMA’s records: 5.8 per 1,000 homes, more than 63% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma15 claims · $771K
- Hurricane Matthew2 claims · $68K
- Hurricane Nicole1 claim · $82K
Dock Junction isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Glynn County.The storms Dock Junction remembers
None of the 14 disasters declared for Glynn County shows FEMA aid or repair money reaching Dock Junction itself in FEMA’s records, so these are its biggest flood-claim years.
- 201715 flood claims paidThe year of Hurricane Irma, declared for Glynn County
- 20162 flood claims paidThe year of Hurricane Matthew, declared for Glynn County
- 20051 flood claims paidNo declaration for the county that year
Glynn County has had 14 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Dock Junction after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dock Junction archive →Dock Junction and its neighbors
Dock Junction has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Dock Junction | Cmore damage than 71% | hurricanes | 22 |
| Brunswick | C−more damage than 75% | hurricanes | 257 |
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 Dock Junction faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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 Dock Junction
Is Dock Junction at risk for natural disasters?
On FEMA’s National Risk Index, Dock Junction has higher expected damage per building than 71% of U.S. towns: C for hazard risk, #224 of 264 in Georgia. Most of the expected damage is hurricanes (74%) and river and rain flooding (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Dock Junction flood?
Flood insurance has paid 22 claims in Dock Junction since 2005, $1.1M in all, or 5.8 per 1,000 homes, more than 63% of U.S. towns with a flood insurance record. The most claims came from Hurricane Irma (15).
Is Dock Junction 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 Glynn County, 90% of homes in mapped flood zones carry federal flood insurance, and 31.1% of all homes do.
How much is flood insurance in Dock Junction?
FEMA’s Community Rating System list shows no discount for Dock Junction’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 Dock Junction?
By flood claims, Hurricane Irma: 15 paid, $771K.
Is Dock Junction at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (74%), and Dock Junction’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Dock Junction.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dock Junction’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.