Published NFIP policy and loss records, alongside a way to check the map.
Average annual premium and federal policy fee per policy unit
$915
As of 2026-08-31. A portfolio average, not a quote for a home.
Policies in force, including condo units
69,151
Cumulative recorded losses
24,475
Net dollars paid
$517,868,185
Cumulative losses in the HUDEX report through August 31, 2026. Loss counts include claims closed without payment. No annual series or first loss year is stated in this report.
These are insured policy units grouped by their rated zones, not a percentage of the state’s land or homes.
NFIP rated zone groups, 2026-08-31
Rated group
Policy units
Share of insured units
All A zones combined
37,763
54.6%
All V zones combined
255
0.4%
Zone D
2
0.0%
Unknown or invalid rated zone
103
0.1%
X, B and C zones combined
31,028
44.9%
Largest recorded loss years
Published net claim payments from 1978 through 2026, grouped by year of loss. Dollar amounts are nominal. The 2026-09-08 OpenFEMA claims release is a separate population from the policy workbook above.
All published years and net payments
Georgia claims history
Year of loss
Net payments
1978
$126,047
1979
$3,213,317
1980
$738,941
1981
$189,663
1982
$1,941,194
1983
$548,049
1984
$313,367
1985
$789,598
1986
$254,161
1987
$230,596
1988
$93,383
1989
$806,335
1990
$9,725,690
1991
$2,496,860
1992
$1,239,152
1993
$271,165
1994
$47,883,532
1995
$3,105,501
1996
$6,826,729
1997
$859,664
1998
$16,494,175
1999
$17,153,102
2000
$1,119,420
2001
$1,128,928
2002
$1,355,882
2003
$4,374,504
2004
$28,577,621
2005
$13,798,668
2006
$936,685
2007
$630,972
2008
$629,787
2009
$133,112,111
2010
$2,217,474
2011
$479,240
2012
$3,331,339
2013
$6,279,039
2014
$1,473,600
2015
$11,077,463
2016
$22,480,611
2017
$69,401,470
2018
$5,626,410
2019
$3,120,123
2020
$20,245,888
2021
$7,562,356
2022
$3,595,385
2023
$6,675,073
2024
$49,600,303
2025
$2,902,211
2026
$1,040,928
Records without payment are included in counts. Missing county records are retained in national controls and are not allocated to counties. OpenFEMA NFIP redacted claims V3.
Data and methodology
Complete official HUDEX report, summed across its community rows within each geocoded county FIPS. Policy Count includes condominium units under master policies. Average premium is Total Premium + Federal Policy Fee divided by Policy Count; this is an aggregate per policy unit, not a property quote. Loss counts include losses closed without payment. Total Net Dollars Paid is cumulative in this report, including the source's adjustments. The report does not specify the first loss year or split losses by year, so a starting year and annual breakdown are not inferred. Unassigned county records are retained in state totals separately. No record sampling.
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