Photo: Ichabod · CC BY-SA 3.0Storms, floods and disasters in Dowelltown
Dowelltown isn’t graded for hazard risk: Dowelltown has 434 residents; we grade towns of 1,000 or more. Flood insurance has paid 11 claims here since 2002.
What Dowelltown 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.
Does Dowelltown flood? Sometimes: 11 flood claims since 2002
Every paid claim on a federal flood insurance policy in Dowelltown, from FEMA’s records.
- The Mid-spring storms2 claims · $16K
- The Late spring storms1 claim · $12K
Dowelltown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: DeKalb County.3 federal disasters brought FEMA money to Dowelltown
Disasters that paid out in Dowelltown itself (aid to households or repair grants to the Town of Dowelltown), newest first, with that year’s flood claims.
- 2012Severe Storms, Tornadoes, Straight-line Winds and3 households applied for aid$772 aid approved
- 2010Severe Storms, Flooding, Straight-line Winds, and Tornadoes10 households applied for aid$18K aid approved1 flood claim paid that year
- 2003Severe Storms, Tornadoes, and Flooding3 households applied for aid$3K aid approved
DeKalb County has had 16 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 Dowelltown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Dowelltown archive →Dowelltown and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Liberty | — | 406 residents; we grade 1,000+ | |
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 Dowelltown 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 Dowelltown
Does Dowelltown flood?
Flood insurance has paid 11 claims in Dowelltown since 2002, $154K in all. 3 properties have flooded more than once. The most claims came from Mid-spring storms (2).
Is Dowelltown 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 DeKalb County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Dowelltown?
FEMA’s Community Rating System list shows no discount for Dowelltown’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 Dowelltown?
By FEMA money that reached Dowelltown, Severe Storms, Flooding, Straight-line Winds, and Tornadoes (2010): 10 households applied for aid, $18K approved. By flood claims, Mid-spring storms: 2 paid, $16K.
Storm stories
Memories, warnings and help from neighbors in Dowelltown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Dowelltown’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.