Henderson Manufacturing Company · Photo: Jud McCranie · CC BY-SA 4.0FEMA expects less hazard damage per building in Hampton than in 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hampton gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #63 of 264 in Georgia. Most of that expected damage is river and rain flooding (76%), 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 Hampton 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
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 Hampton’s grade
River and rain flooding is 76% of the building damage FEMA expects in Hampton, and Hampton’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Next is tornadoes at 13% (higher than 73% of U.S. census tracts).
A− #63 of 264 in Georgia; lower expected damage per building than 83% of U.S. towns (21,298).
Hampton’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, Hampton has less expected damage per building than 76% of Georgia towns.
In dollars, FEMA expects about $1.3M a year in losses across Hampton: $955K to buildings, the rest to people and crops.
Does Hampton flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hampton. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hampton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Henry County.3 federal disasters brought FEMA money to Hampton
Disasters that paid out in Hampton itself (aid to households or repair grants to the City of Hampton), newest first, with that year’s flood claims.
- 2023Severe Storms, Straight-line Winds, and Tornadoes186 households applied for aid$24K aid approved
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding46 households applied for aid$51K aid approved
- 2000Severe Winter Storm$21K to the City of Hampton for repairs
Henry County has had 12 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hampton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hampton archive →Get ready for what Hampton 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.
- 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 Hampton
Is Hampton at risk for natural disasters?
On FEMA’s National Risk Index, Hampton has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #63 of 264 in Georgia. Most of the expected damage is river and rain flooding (76%) and tornadoes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hampton 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 Henry County, 64% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Hampton?
FEMA’s Community Rating System list shows no discount for Hampton’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 Hampton?
By FEMA money that reached Hampton, Severe Storms, Tornadoes, Straight-line Winds, and Associated Flooding (2011): 46 households applied for aid, $51K approved.
Is Hampton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Hampton’s rate for it is lower than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hampton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hampton’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.