Photo: Harrison Keely · CC BY 4.0On FEMA’s figures, Hiawassee faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Hiawassee gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (83%). 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 Hiawassee 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 Hiawassee’s grade
River and rain flooding is 83% of the building damage FEMA expects in Hiawassee, and Hiawassee’s rate of river and rain flooding damage is higher than 73% of U.S. census tracts. Next is tornadoes at 8% (higher than 74% of U.S. census tracts).
C+ higher expected damage per building than 58% of U.S. towns (21,298).
Hiawassee’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $667K a year in losses across Hiawassee: $487K to buildings, the rest to people and crops.
Does Hiawassee flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hiawassee. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hiawassee isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Towns County.2 federal disasters brought FEMA money to Hiawassee
Disasters that paid out in Hiawassee itself (aid to households or repair grants to the City of Hiawassee), newest first, with that year’s flood claims.
- 2015Severe Storms and Flooding$23K to the City of Hiawassee for repairs
- 2004Hurricane Ivan56 households applied for aid$47K aid approved$12K to the City of Hiawassee for repairs
Towns County has had 10 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.
Old photos of Hiawassee after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hiawassee archive →Get ready for what Hiawassee 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 Hiawassee
Is Hiawassee at risk for natural disasters?
On FEMA’s National Risk Index, Hiawassee has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (83%) and tornadoes (8%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Hiawassee 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 Towns County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Hiawassee?
FEMA’s Community Rating System list shows no discount for Hiawassee’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 Hiawassee?
By FEMA money that reached Hiawassee, Hurricane Ivan (2004): 56 households applied for aid, $47K approved, and $12K to the City of Hiawassee for repairs.
Is Hiawassee at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Hiawassee’s rate for it is higher than 73% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hiawassee.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hiawassee’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.