Elisha Winn House · Photo: Davidmcarlson · CC BY-SA 3.0On FEMA’s figures, Mulberry faces less hazard damage per building than 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Mulberry gets a B+ for hazard risk: lower expected damage per building than 67% of U.S. towns, #155 of 264 in Georgia. Most of that expected damage is river and rain flooding (83%). Flood insurance has paid 1 claim here since 2024.
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 Mulberry 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 Mulberry’s grade
River and rain flooding is 83% of the building damage FEMA expects in Mulberry, and Mulberry’s rate of river and rain flooding damage is higher than 55% of U.S. census tracts. Next is tornadoes at 9% (higher than 67% of U.S. census tracts).
B+ #155 of 264 in Georgia; lower expected damage per building than 67% of U.S. towns (21,298).
Mulberry’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, Mulberry has more expected damage per building than 59% of Georgia towns.
In dollars, FEMA expects about $10.0M a year in losses across Mulberry: $8.8M to buildings, the rest to people and crops.
Does Mulberry flood? Rarely: 1 flood claim since 2024
Every paid claim on a federal flood insurance policy in Mulberry, from FEMA’s records.
Mulberry 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 Mulberry remembers
None of the 10 disasters declared for Gwinnett County shows FEMA aid or repair money reaching Mulberry itself in FEMA’s records, so these are its biggest flood-claim years.
- 20241 flood claims paidThe year of Hurricane Helene, declared for Gwinnett County
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 Mulberry after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Mulberry archive →Mulberry and its neighbors
Mulberry 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 Mulberry 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 Mulberry
Is Mulberry at risk for natural disasters?
On FEMA’s National Risk Index, Mulberry has lower expected damage per building than 67% of U.S. towns: B+ for hazard risk, #155 of 264 in Georgia. Most of the expected damage is river and rain flooding (83%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Mulberry flood?
Flood insurance has paid 1 claim in Mulberry since 2024, $13K in all.
Is Mulberry 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 Mulberry?
FEMA’s Community Rating System list shows no discount for Mulberry’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mulberry at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (83%), and Mulberry’s rate for it is higher than 55% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mulberry.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mulberry’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.