Photo: Michael Barera · CC BY-SA 4.0For ice storms, Emory’s building-damage rate is in the top 1% of U.S. census tracts
On FEMA’s National Risk Index, Emory gets a B− for hazard risk: lower expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (50%), then ice storms (18%). 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 Emory 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
Ice storms
Tornadoes
Hail
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 Emory’s grade
River and rain flooding is 50% of the building damage FEMA expects in Emory, and Emory’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Ice storms add 18%, at a rate in the top 1% of U.S. census tracts.
B− lower expected damage per building than 54% of U.S. towns (21,298).
Emory’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $618K a year in losses across Emory: $356K to buildings, the rest to people and crops.
Does Emory flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Emory. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Emory isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rains County.1 federal disaster brought FEMA money to Emory
Disasters that paid out in Emory itself (aid to households or repair grants to the City of Emory), newest first, with that year’s flood claims.
- 2021Severe Winter Storms1 households applied for aid$1K aid approved
Rains County has had 12 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Emory after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Emory archive →Get ready for what Emory 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Emory
Is Emory at risk for natural disasters?
On FEMA’s National Risk Index, Emory has lower expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (50%) and ice storms (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Emory 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 Rains County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Emory?
FEMA’s Community Rating System list shows no discount for Emory’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 Emory?
By FEMA money that reached Emory, Severe Winter Storms (2021): 1 households applied for aid, $1K approved.
Is Emory at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (50%), and Emory’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Emory.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Emory’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.