Flood Help Guide

Cobb County flood history

Georgia · From FEMA's flood insurance and disaster data · Updated 2026-10-08

2,031NFIP flood claims since 1978
$66.9 millionPaid on those claims
$37,662Average paid claimlast 10 years
1.0%Homes with NFIP flood insurance
1Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 2,031 flood insurance claims in Cobb County, Georgia since 1978. The NFIP paid $66.9 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 2009, with 723, mostly from Late summer storms.

In the last ten years (2017–2026) there were 327 claims, and the average paid claim was $37,662.

37% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 1.0% of homes in Cobb County, Georgia had an NFIP flood policy in FEMA's latest count (2,144 of 223,468 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 85% (1,146 of 1,348).

Since 2000, FEMA has made 1 flood-related disaster declaration covering Cobb County, Georgia. The most recent was DR-1858-GA (Severe Storms and Flooding), declared September 24, 2009.

NFIP claims by year

NFIP flood claims per year in Cobb County, Georgia02505007501k1978: 6 claims, $11,161 paid1979: 59 claims, $473,089 paid1980: 6 claims, $3,055 paid19801981: 16 claims, $18,886 paid1982: 172 claims, $1.1 million paid1983: 21 claims, $85,466 paid1984: 11 claims, $17,918 paid1985: 3 claims, $9,408 paid1986: 5 claims, $103,934 paid1987: 10 claims, $16,607 paid1988: 1 claims, $0 paid1989: 27 claims, $176,857 paid1990: 64 claims, $1.6 million paid19901991: 18 claims, $40,528 paid1992: 25 claims, $58,494 paid1993: 4 claims, $4,351 paid1994: 13 claims, $33,476 paid1995: 39 claims, $290,692 paid1996: 9 claims, $117,848 paid1997: 4 claims, $11,640 paid1998: 25 claims, $88,227 paid1999: 14 claims, $19,981 paid2000: 8 claims, $42,535 paid20002001: 17 claims, $79,589 paid2002: 7 claims, $26,362 paid2003: 26 claims, $74,153 paid2004: 90 claims, $3.6 million paid2005: 147 claims, $3.3 million paid2006: 7 claims, $15,429 paid2007: 4 claims, $5,081 paid2008: 9 claims, $9,190 paid2009: 723 claims, $45.2 million paid2010: 16 claims, $41,673 paid20102011: 12 claims, $19,997 paid2012: 14 claims, $159,959 paid2013: 33 claims, $167,792 paid2014: 9 claims, $143,610 paid2015: 22 claims, $83,078 paid2016: 8 claims, $39,187 paid2017: 11 claims, $63,890 paid2018: 14 claims, $145,448 paid2019: 10 claims, $136,713 paid2020: 37 claims, $308,203 paid20202021: 126 claims, $4.5 million paid2022: 4 claims, $0 paid2023: 43 claims, $1.0 million paid2024: 62 claims, $3.1 million paid2025: 8 claims, $199,561 paid2026: 12 claims, $133,238 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
202612$133,238
20258$199,561
202462$3.1 million
202343$1.0 million
20224$0
2021126$4.5 million
202037$308,203
201910$136,713
201814$145,448
201711$63,890
20168$39,187
201522$83,078
20149$143,610
201333$167,792
201214$159,959
201112$19,997
201016$41,673
2009723$45.2 million
20089$9,190
20074$5,081
20067$15,429
2005147$3.3 million
200490$3.6 million
200326$74,153
20027$26,362
200117$79,589
20008$42,535
199914$19,981
199825$88,227
19974$11,640
19969$117,848
199539$290,692
199413$33,476
19934$4,351
199225$58,494
199118$40,528
199064$1.6 million
198927$176,857
19881$0
198710$16,607
19865$103,934
19853$9,408
198411$17,918
198321$85,466
1982172$1.1 million
198116$18,886
19806$3,055
197959$473,089
19786$11,161

Named flood events

EventYearClaimsPaid
Late summer storms2009678$45.0 million
Tropical Storm Ivan200484$3.6 million
Hurricane Helene202455$3.1 million
Hurricane Dennis2005122$3.0 million
Hurricane Idalia202326$820,701
Flooding199819$80,214
Early winter storms20156$32,783
Hurricane Irma20172$19,105

How many homes have flood insurance

FEMA counts 2,144 residential NFIP policies in Cobb County, against 223,468 residential buildings (1.0%). Of the 1,348 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 1,146 have an NFIP policy (85%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-1858-GA Sep 24, 2009 Severe Storms and Flooding Yes

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Georgia.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.