Photo: Brian Stansberry · CC BY 4.0FEMA puts Franklin Springs’s expected hazard damage per building below that of 84% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Franklin Springs gets an A− for hazard risk: lower expected damage per building than 84% of U.S. towns. Most of that expected damage is river and rain flooding (68%), then tornadoes (10%). 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 Franklin Springs 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 Franklin Springs’ grade
River and rain flooding is 68% of the building damage FEMA expects in Franklin Springs, and Franklin Springs’ rate of river and rain flooding damage is lower than 75% of U.S. census tracts. Ice storms add 5%, at a rate in the top 6% of U.S. census tracts.
A− lower expected damage per building than 84% of U.S. towns (21,298).
Franklin Springs’ residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $304K a year in losses across Franklin Springs: $200K to buildings, the rest to people and crops.
Does Franklin Springs flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Franklin Springs. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Franklin Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Franklin County.1 federal disaster brought FEMA money to Franklin Springs
Disasters that paid out in Franklin Springs itself (aid to households or repair grants to the City of Franklin Springs), newest first, with that year’s flood claims.
- 2004Hurricane Ivan4 households applied for aid$426 aid approved$121K to the City of Franklin Springs for repairs
Franklin County has had 11 natural disasters declared by the President since 1953, most often winter storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Franklin Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Franklin Springs archive →Franklin Springs and its neighbors
Franklin Springs is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Royston | A−less damage than 84% | river and rain flooding | — |
| Franklin Springs | A−less damage than 84% | river and rain flooding | 0 |
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 Franklin Springs 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 Franklin Springs
Is Franklin Springs at risk for natural disasters?
On FEMA’s National Risk Index, Franklin Springs has lower expected damage per building than 84% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (68%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Franklin Springs 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 Franklin County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Franklin Springs?
FEMA’s Community Rating System list shows no discount for Franklin Springs’ 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 Franklin Springs?
By FEMA money that reached Franklin Springs, Hurricane Ivan (2004): 4 households applied for aid, $426 approved, and $121K to the City of Franklin Springs for repairs.
Is Franklin Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Franklin Springs’ rate for it is lower than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Franklin Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Franklin Springs’ 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.