Guyton Historic District · Photo: Jud McCranie · CC BY-SA 4.0On FEMA’s figures, Guyton faces more hazard damage per building than 80% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Guyton gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns, #236 of 264 in Georgia. Most of that expected damage is river and rain flooding (47%), then hurricanes (42%). 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 Guyton 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
Hurricanes
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 Guyton’s grade
River and rain flooding is 47% of the building damage FEMA expects in Guyton, and Guyton’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Hurricanes add 42%, at a rate in the top 8% of U.S. census tracts.
C− #236 of 264 in Georgia; higher expected damage per building than 80% of U.S. towns (21,298).
Guyton’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, Guyton has more expected damage per building than 89% of Georgia towns.
In dollars, FEMA expects about $884K a year in losses across Guyton: $715K to buildings, the rest to people and crops.
Does Guyton flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Guyton. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Guyton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Effingham County.4 federal disasters brought FEMA money to Guyton
Disasters that paid out in Guyton itself (aid to households or repair grants to the City of Guyton), newest first, with that year’s flood claims.
- 2024Hurricane Helene2,114 households applied for aid$784K aid approved$9K to the City of Guyton for repairs
- 2024Tropical Storm Debby132 households applied for aid$66K aid approved
- 2017Hurricane Irma1 households applied for aid$32K to the City of Guyton for repairs
- 2016Hurricane Matthew350 households applied for aid$118K aid approved$101K to the City of Guyton for repairs
Effingham County has had 10 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 Guyton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Guyton archive →Get ready for what Guyton 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.
- 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.
- 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 Guyton
Is Guyton at risk for natural disasters?
On FEMA’s National Risk Index, Guyton has higher expected damage per building than 80% of U.S. towns: C− for hazard risk, #236 of 264 in Georgia. Most of the expected damage is river and rain flooding (47%) and hurricanes (42%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Guyton 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 Effingham County, 40% of homes in mapped flood zones carry federal flood insurance, and 3.0% of all homes do.
How much is flood insurance in Guyton?
FEMA’s Community Rating System list shows no discount for Guyton’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 Guyton?
By FEMA money that reached Guyton, Hurricane Helene (2024): 2,114 households applied for aid, $784K approved, and $9K to the City of Guyton for repairs.
Is Guyton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (47%), and Guyton’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Guyton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Guyton’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.