Kingsland Commercial Historic District · Photo: Ebyabe · CC BY-SA 3.0FEMA puts Kingsland’s expected hazard damage per building above that of 77% of U.S. towns, mostly from hurricanes
On FEMA’s National Risk Index, Kingsland gets a C− for hazard risk: higher expected damage per building than 77% of U.S. towns, #233 of 264 in Georgia. Most of that expected damage is hurricanes (58%), then river and rain flooding (30%). Flood insurance has paid 70 claims here since 1992.
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 stands out about Kingsland’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Kingsland 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 Kingsland’s grade
Hurricanes are 58% of the building damage FEMA expects in Kingsland, and Kingsland’s rate of hurricanes damage is in the top 6% of U.S. census tracts. Coastal flooding adds 3%, at a rate in the top 3% of U.S. census tracts.
C− #233 of 264 in Georgia; higher expected damage per building than 77% of U.S. towns (21,298).
Kingsland’s residents live in 10 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, Kingsland has more expected damage per building than 88% of Georgia towns.
In dollars, FEMA expects about $6.0M a year in losses across Kingsland: $4.9M to buildings, the rest to people and crops.
Does Kingsland flood? Sometimes: 70 flood claims since 1992
Every paid claim on a federal flood insurance policy in Kingsland, from FEMA’s records: 8.7 per 1,000 homes, more than 71% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irma41 claims · $2.2M
- Hurricane Elsa1 claim · $9K
- Hurricane Debby1 claim · $4K
Kingsland is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Camden County.6 federal disasters brought FEMA money to Kingsland
Disasters that paid out in Kingsland itself (aid to households or repair grants to the City of Kingsland), newest first, with that year’s flood claims.
- 2024Hurricane Helene1,091 households applied for aid$497K aid approved$132K to the City of Kingsland for repairs2 flood claims paid that year
- 2017Hurricane Irma2,154 households applied for aid$1.4M aid approved$243K to the City of Kingsland for repairs41 flood claims paid for it, $2.2M
- 2016Hurricane Matthew$91K to the City of Kingsland for repairs
- 2009Severe Storms, Flooding, Tornadoes, and Straight-line Winds9 households applied for aid$9K aid approved
- 2004Tropical Storm Frances$55K to the City of Kingsland for repairs1 flood claim paid that year
- 1999Hurricane Floyd Emergency Declarations$19K to the City of Kingsland for repairs
Camden 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 Kingsland after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Kingsland archive →Kingsland and its neighbors
Kingsland 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 |
|---|---|---|---|
| Kingsland | C−more damage than 77% | hurricanes | 70 |
| St. Marys | C−more damage than 78% | hurricanes | 73 |
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 Kingsland 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.
- Kingsland residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Kingsland
Is Kingsland at risk for natural disasters?
On FEMA’s National Risk Index, Kingsland has higher expected damage per building than 77% of U.S. towns: C− for hazard risk, #233 of 264 in Georgia. Most of the expected damage is hurricanes (58%) and river and rain flooding (30%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Kingsland flood?
Flood insurance has paid 70 claims in Kingsland since 1992, $2.6M in all, or 8.7 per 1,000 homes, more than 71% of U.S. towns with a flood insurance record. 6 properties have flooded more than once. The most claims came from Hurricane Irma (41).
Is Kingsland 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 Camden County, 75% of homes in mapped flood zones carry federal flood insurance, and 14.9% of all homes do.
How much is flood insurance in Kingsland?
Kingsland is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Kingsland?
By FEMA money that reached Kingsland, Hurricane Irma (2017): 2,154 households applied for aid, $1.4M approved, and $243K to the City of Kingsland for repairs. By flood claims, Hurricane Irma: 41 paid, $2.2M.
Is Kingsland at risk from hurricanes?
It is the largest share of the building damage FEMA expects here (58%), and Kingsland’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Kingsland.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Kingsland’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.