FEMA expects less hazard damage per building in Mountain Park than in 81% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mountain Park gets an A− for hazard risk: lower expected damage per building than 81% of U.S. towns, #71 of 264 in Georgia. Most of that expected damage is river and rain flooding (76%). Flood insurance has paid 3 claims here since 2009.
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 Mountain Park 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 Mountain Park’s grade
River and rain flooding is 76% of the building damage FEMA expects in Mountain Park, and Mountain Park’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is tornadoes at 10% (higher than 64% of U.S. census tracts).
A− #71 of 264 in Georgia; lower expected damage per building than 81% of U.S. towns (21,298).
Mountain Park’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, Mountain Park has less expected damage per building than 73% of Georgia towns.
In dollars, FEMA expects about $2.5M a year in losses across Mountain Park: $2.1M to buildings, the rest to people and crops.
Does Mountain Park flood? Rarely: 3 flood claims since 2009
Every paid claim on a federal flood insurance policy in Mountain Park, from FEMA’s records: 0.6 per 1,000 homes, fewer than 86% of the 13,809 U.S. towns with a flood insurance record.
- The Late summer storms2 claims · $63K
- Hurricane Zeta1 claim · $37K
Mountain Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Gwinnett County.The storms Mountain Park remembers
None of the 10 disasters declared for Gwinnett County shows FEMA aid or repair money reaching Mountain Park itself in FEMA’s records, so these are its biggest flood-claim years.
- 20092 flood claims paidThe year of Severe Storms and Flooding, declared for Gwinnett County
- 20201 flood claims paidNo declaration for the county that year
Gwinnett County has had 10 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 Mountain Park after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mountain Park archive →Mountain Park and its neighbors
Mountain Park is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Mountain Park 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 Mountain Park
Is Mountain Park at risk for natural disasters?
On FEMA’s National Risk Index, Mountain Park has lower expected damage per building than 81% of U.S. towns: A− for hazard risk, #71 of 264 in Georgia. Most of the expected damage is river and rain flooding (76%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mountain Park flood?
Flood insurance has paid 3 claims in Mountain Park since 2009, $101K in all, or 0.6 per 1,000 homes, fewer than 86% of U.S. towns with a flood insurance record. The most claims came from Late summer storms (2).
Is Mountain Park 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 Gwinnett County, 63% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Mountain Park?
FEMA’s Community Rating System list shows no discount for Mountain Park’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 Mountain Park?
By flood claims, Late summer storms: 2 paid, $63K.
Is Mountain Park at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Mountain Park’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mountain Park.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mountain Park’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.