Hazard Plain Automated baseline

Whitfield County, GA

Risk-assessment baseline packet

County FIPS:
13313
Release:
2026-10
Data as of:
2026-09-30
Storm Events data through:
2026-06-30

Hazard Plain is an independent product built from public federal data. It is not a FEMA document and is not reviewed or endorsed by FEMA, GEMA/HS or any other state agency.

Hazard Plain release 2026-10, as of 2026-09-30.

Summary

Plan status as of 2026-09-30: Approved, expires 2028-01-23. Plan: Whitfield County (FEMA plan 108676), approved 2023-01-24.

Since the plan was approved on 2023-01-24: 2 new hazard declarations (2 incidents): EM-3616-GA (Hurricane Helene), EM-3642-GA (Severe Winter Storm).

NOAA Storm Events records since that date: 83 records (data through 2026-06-30).

Highest expected annual loss (FEMA National Risk Index, modeled total; see B1-a): Inland Flooding ($13,814,993 a year), Tornado ($8,672,417) and Cold Wave ($7,005,144).

Repetitive-loss flood properties now: FMA RL 0, SRL 2 (44 CFR 77.2); any definition: 9.

The tables that follow are organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B (B1-a to B2-c); each heading says which item its tables support.

Plan clock

Status:
Approved, expires 2028-01-23
Plan:
Whitfield County (FEMA plan 108676)
Approved:
2023-01-24
Days to expiry:
480

What changed since your last plan (approved 2023-01-24)

New federal declarations:
2 new hazard declarations (2 incidents): EM-3616-GA (Hurricane Helene), EM-3642-GA (Severe Winter Storm)
Storm Events records since approval:
83 records (data through 2026-06-30)
Repetitive loss now:
FMA RL 0, SRL 2 (44 CFR 77.2); any definition: 9
Repeat-flood change:
this release sets the baseline count.

Sources: 1, 2, 4, 6 (numbered list at the end)

Plan status for every jurisdiction listed in this county

Source: 1

JurisdictionTypeStatusPlanApprovedExpiresDays to expirynegative = days since expiryNotes
Whitfield County (unincorporated area)UnincorporatedApproved, expires 2028-01-23Whitfield County (FEMA plan 108676)2023-01-242028-01-23480
Cohutta cityTownApproved, expires 2028-01-23Whitfield County (FEMA plan 108676)2023-01-242028-01-23480this jurisdiction approved 2023-03-07
Dalton cityCityApproved, expires 2028-01-23Whitfield County (FEMA plan 108676)2023-01-242028-01-23480this jurisdiction approved 2023-03-07
Tunnel Hill cityCityApproved, expires 2028-01-23Whitfield County (FEMA plan 108676)2023-01-242028-01-23480this jurisdiction approved 2023-03-07
Varnell cityCityApproved, expires 2028-01-23Whitfield County (FEMA plan 108676)2023-01-242028-01-23480this jurisdiction approved 2023-03-21

State plan status and tribal plans in this state: see the state page.

Supports FEMA checklist item B1-a: hazard identification GEMA template A: Hazard identification

Hazards NRI does not cover (local data needed)

  • dam failure (incl. upstream dams)
  • levee failure
  • flash flood as its own subtype
  • ice jams
  • debris flows
  • erosion (riverine and coastal)
  • land subsidence and sinkholes
  • expansive soils

The 18 National Risk Index hazards, ranked by expected annual loss (EAL)

Sources: 5, 6

Rank by EALHazardNRI risk ratingEAL ratingEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL total (see note)modeled dollars per yearStorm Events records, 1996 to 2026-06-30countStorm Events coverage note
1Inland FloodingRelatively ModerateRelatively Low$13,632,470$77,159$105,364$13,814,99345
2TornadoRelatively HighRelatively High$3,538,655$9,085$5,124,675$8,672,4172
3Cold WaveRelatively HighRelatively High$23,303$209,258$6,772,583$7,005,14414Includes 1 Frost/Freeze record (outside NRI's Cold Wave definition; counted in this table and in B1-d, not in the B1-e descriptor).
4EarthquakeRelatively ModerateRelatively Moderate$3,646,055n/a$1,212,351$4,858,406Storm Events does not record earthquakes.
5Strong WindRelatively ModerateRelatively Moderate$380,339$63,830$556,678$1,000,846207Includes 1 High Wind and 12 Strong Wind records (NOAA non-thunderstorm wind types, outside NRI's Strong Wind definition).
6LightningRelatively HighRelatively Moderate$67,794n/a$779,225$847,01912
7HailRelatively ModerateRelatively Low$557,019$5,371$89,992$652,38264
8Heat WaveRelatively LowRelatively Low$25$292$305,369$305,68611
9Winter WeatherRelatively ModerateRelatively Moderate$157,989$4$72,959$230,95243
10Ice StormRelatively ModerateRelatively Moderate$182,706n/a$7,507$190,2134
11HurricaneRelatively LowRelatively Low$139,820$41,542$5,278$186,64116
12WildfireVery LowVery Low$51,577$186$10,979$62,7422
13DroughtRelatively LowRelatively Lown/a$41,865n/a$41,86539
14LandslideRelatively LowVery Low$446n/a$5,480$5,9261

Total = buildings + agriculture + population equivalence; FEMA values each expected death (or 10 injuries) at $13.7 million (2024 dollars).

NRI risk rating combines expected annual loss with social vulnerability and community resilience; EAL rating rates expected annual loss alone. Both compare this county with all U.S. counties.

Not applicable to this county per NRI, with no federal declaration and no Storm Events record since 1996: avalanche, coastal flooding, tsunami and volcanic activity. That is the evidence for leaving them out of the plan.

The state hazard mitigation plan also lists hazards for this county; FEMA asks the plan to explain any hazard it leaves out.

Supports FEMA checklist item B1-b: hazard location GEMA template B: Hazard profile (events and probability)

Affects the whole county (national data give no location within it): Cold Wave, Drought, Hail, Heat Wave, Ice Storm, Lightning, Strong Wind and Winter Weather.

Inland Flooding: The FEMA Flood Insurance Rate Map (FIRM) is the required location source for flooding. See the FEMA Flood Map Service Center (https://msc.fema.gov) for this county.

Hazards that vary within the county: highest-rated census tracts

Source: 5

HazardHighest-rated census tractsNRI risk rating, score 0 to 100
Earthquaketract 12 (Relatively High, 93.7); tract 5.02 (Relatively High, 90.2); tract 15 (Relatively Moderate, 87.0)
Hurricanetract 12 (Relatively Low, 64.8); tract 5.02 (Relatively Low, 59.0); tract 15 (Relatively Low, 57.6)
Landslidetract 8.01 (Relatively Low, 92.8); tract 7 (Relatively Low, 92.8); tract 5.01 (Relatively Low, 91.2)
Tornadotract 12 (Very High, 99.8); tract 5.02 (Very High, 99.7); tract 15 (Very High, 98.9)
Wildfiretract 15 (Relatively Low, 85.2); tract 8.01 (Relatively Low, 83.7); tract 7 (Relatively Low, 80.7)

Up to 3 census tracts per hazard, highest National Risk Index rating first, then highest score; a tract number is the Census tract number (for example 12 is Census Tract 12). FEMA's Resilience Analysis and Planning Tool maps the National Risk Index for every tract: https://www.fema.gov/emergency-managers/practitioners/resilience-analysis-and-planning-tool

Supports FEMA checklist item B1-c: hazard extent GEMA template B: Hazard profile (events and probability)

Extent: scale, observed range and worst recorded event per hazard

Sources: 6, 7

HazardScaleRecordscount and yearsObserved rangeWorst recorded eventMost damaging (when different)How it applies to jurisdictionsNote
Cold/Wind Chill, Extreme Cold/Wind Chillwind chill13 records, 1996 to 2003 (13 zone-level)1 day to 31 days (median 4 days); 10 with a recorded valueDecember 2000 (1 monthly summary record), zone-levelCountywide (zone-level records).Wind chill: in event narratives only (local data needed). Cold/Wind Chill records from May to September (a frost night, not a cold wave) are counted but not used for the longest run.
Frost/Freeze (outside NRI's Cold Wave definition)crop damage1 record, 2007 (1 zone-level)No crop damage reported in 1 record.Countywide (zone-level records).Temperature: in event narratives only (local data needed).
DroughtU.S. Drought Monitor scale (D0 to D4)39 records, 1997 to 2026 (39 zone-level)22 days to 335 days (median 31 days); 18 with a recorded value335 days (about 11.0 months), 2016-05-31 to 2017-04-30, a run of 12 consecutive Storm Events drought records, zone-levelDrought, 1997-09-01, property not reported; $1,670,000 crops, reported for the zone (1997 dollars)Countywide (zone-level records).Storm Events enters a drought at D2 or worse east of the Rockies and D3 or worse from the Rockies west (NWS Instruction 10-1605); NRI drought counts D3 and D4 only.
EarthquakeModified Mercalli (local data)0Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hailhail size (inches)70 records, 1955 to 20250.75 in to 2.75 in (median 0.88 in); 70 with a recorded value2.75 in hail, 1998-05-07Event records naming jurisdictions in the plan: Dalton city (23 records), Cohutta city (6 records), Tunnel Hill city (6 records), Varnell city (4 records).
Excessive Heat, Heatheat index (in event narratives)11 records, 1999 to 2012 (11 zone-level)3 days to 33 days (median 10 days); 5 with a recorded value1999-07-20 to 1999-08-21 (2 records, 1 of them a monthly summary record), zone-levelCountywide (zone-level records).Heat index: in event narratives only (local data needed). Heat records from November to March (unseasonable warmth, not a heat wave) are counted but not used for the longest run.
Hurricane, Tropical Storm, Tropical DepressionSaffir-Simpson16 records, 2002 to 2020 (16 zone-level)Strongest recorded: Tropical Storm record, 2017-09-11, $15,000 property; crops not reported (2017 dollars); NWS zone GAZ004Countywide (zone-level records).Storm Events files every zone of a storm's episode under the storm's type; flooding from the storm is filed as Flood or Flash Flood records.
Ice StormSperry-Piltz ice scale (local data)4 records, 1998 to 2026 (4 zone-level)Ice Storm, 2000-01-22, $980,000 property; crops not reported (2000 dollars); NWS zone GAZ004Countywide (zone-level records).Ice thickness: in event narratives only (local data needed).
Flash Flood, Flood, Lakeshore Flooddamage and flood days (flood depth: FIRM)45 records, 1997 to 2021 (3 zone-level)Flash Flood, 2003-05-22, $1,000,000 property; crops not reported (2003 dollars)Event records naming jurisdictions in the plan: Dalton city (8 records), Cohutta city (2 records), Varnell city (2 records). Zone-level records (3) apply countywide.Flood depth: see the FEMA Flood Insurance Rate Map. Storm Events damage is often $0 or blank for floods, major ones included; FEMA Public Assistance by declaration (B1-d) shows which floods cost the most.
Debris Flownone (count and damage only)1 record, 2019Debris Flow, 2019-02-20, $10,000 property; $0 crops (2019 dollars)No event record names a jurisdiction in the plan.Physical measure: in event narratives only (local data needed).
Lightningannualized frequency (the measure FEMA's Local Mitigation Planning Handbook names)12 records, 1999 to 2018Lightning, 2018-07-04, $0 property; $0 crops (2018 dollars), 1 direct deathLightning, 2011-06-24, $100,000 property; $0 crops (2011 dollars)Event records naming jurisdictions in the plan: Dalton city (4 records), Tunnel Hill city (2 records).Storm Events lists lightning with damage or casualties; physical measure in event narratives only (local data needed).
High Wind and Strong Wind (outside NRI's Strong Wind definition)wind speed (kt and mph)13 records, 2002 to 2011 (13 zone-level)29 kt (33 mph) to 50 kt (58 mph) (median 36 kt (41 mph)); 11 with a recorded value50 kt (58 mph) estimated gust, High Wind, 2008-01-29; NWS zone GAZ004Strong Wind, 2009-01-07, $75,000 property; $0 crops, reported for the zone (2009 dollars)Countywide (zone-level records).
Thunderstorm Windwind speed (kt and mph)223 records, 1955 to 202630 kt (35 mph) to 75 kt (86 mph) (median 50 kt (58 mph)); 179 with a recorded value75 kt (86 mph) estimated gust, Thunderstorm Wind, 2008-06-28Thunderstorm Wind, 2011-06-18, $1,250,000 property; $0 crops (2011 dollars)Event records naming jurisdictions in the plan: Dalton city (52 records), Varnell city (16 records), Cohutta city (12 records), Tunnel Hill city (7 records).
TornadoEnhanced Fujita (Fujita before Feb 2007)7 records, 1950 to 2017F/EF0 to F/EF4 (median F/EF1); 7 with a recorded valueF4 tornado, 1974-04-03, 3.3 mi path length (whole path, pre-1996), 150 yd wide, $2,500,000 property; crops not recorded (1974 dollars), 2 direct deaths, 25 direct injuriesNo event record names a jurisdiction in the plan.Before 1996 a tornado is listed once, under the county where it began, with its whole path's rating and length; from 1996 on, each county lists its own segment. Length is not used to rank tornadoes (see Methods).
Wildfireacres burned (local data)2 records, 2010 to 2014 (2 zone-level)Wildfire, 2010-02-28, $13,670 property; $0 crops (2010 dollars); NWS zone GAZ004Countywide (zone-level records).Acres burned: in event narratives only (local data needed).
Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleetnone in data (snowfall: local data)43 records, 1996 to 2025 (43 zone-level)Winter Storm, 2005-01-28, $25,000 property; crops not reported (2005 dollars); NWS zone GAZ004Countywide (zone-level records).Snow depth: in event narratives only (local data needed).

Storm Events records are more complete after 1996; before 1996 only Tornado (from 1950), Hail and Thunderstorm Wind (from 1955) exist. Zone-level records whose zone no NWS zone-county file places in this county (mostly before 2020) are not counted here (the Methods page explains the zone matching).

Dollars are nominal (as reported), labeled with the year; not adjusted for inflation.

A monthly summary record covers most or all of a month; it does not count days at wave conditions.

Supports FEMA checklist item B1-d: previous occurrences GEMA template B: Hazard profile (events and probability)

Federal declarations for this county: 16 declarations covering 11 separate hazard incidents counted in this packet (declarations for the same incident count once; non-natural and evacuation-only declarations are not counted).

Federal disaster declarations for this county

Sources: 1, 2, 3

DeclaredIncident beganFEMA numberTypeTitleMapped hazardCounty Public Assistancefederal share obligated, nominal dollarsFlagsNotes
2026-01-242026-01-22EM-3642-GAEmergencySevere Winter StormWinter Weatherno Public Assistance recordednew since last plan; within last 5 years
2024-09-262024-09-24EM-3616-GAEmergencyHurricane HeleneHurricaneno Public Assistance recordednew since last plan; within last 5 years
2020-03-292020-01-20DR-4501-GAMajor disasterCOVID-19 PandemicNon-natural, not counted$2,922,977.68
2020-03-132020-01-20EM-3464-GAEmergencyCOVID-19Non-natural, not countedno Public Assistance recordedsame incident as DR-4501
2017-09-152017-09-07DR-4338-GAMajor disasterHurricane IrmaHurricaneno Public Assistance recorded
2017-09-082017-09-07EM-3387-GAEmergencyHurricane IrmaHurricaneno Public Assistance recordedsame incident as DR-4338
2014-03-062014-02-10DR-4165-GAMajor disasterSevere Winter StormIce Storm$283,154.61
2014-02-112014-02-10EM-3368-GAEmergencySevere Winter StormIce Stormno Public Assistance recordedsame incident as DR-4165
2005-09-052005-08-27EM-3218-GAEmergencyHurricane Katrina EvacuationHurricane: evacuation support, not a local hazard event; not counted$6,671.02
1995-10-101995-10-04DR-1071-GAMajor disasterHurricane OpalHurricaneno Public Assistance recorded
1994-03-311994-03-27DR-1020-GAMajor disasterTornadoes, Flooding, and Severe StormsTornado (primary); also designated: Inland Floodingno Public Assistance recorded
1993-03-151993-03-13EM-3097-GAEmergencySevere Snowfall, Winter StormWinter Weatherno Public Assistance recorded
1990-02-231990-02-10DR-857-GAMajor disasterSevere Storms, Tornaodes & FloodingInland Flooding; Tornadono Public Assistance recorded
1977-07-201977-07-20EM-3044-GAEmergencyDroughtDroughtno Public Assistance recorded
1974-04-051974-04-05DR-425-GAMajor disasterTornadoesTornadono Public Assistance recorded
1973-04-041973-04-04DR-370-GAMajor disasterTornadoes & FloodingTornado (primary); also designated: Inland Floodingno Public Assistance recorded

County Public Assistance: applicants the FEMA record places in this county, including any state agencies FEMA files there; statewide rows are listed on the state page; federal share obligated, nominal dollars.

Statewide declarations

Source: 2

DeclaredIncident beganFEMA numberTypeTitleMapped hazard
1964-11-041964-11-04DR-180-GAMajor disasterFloodingInland Flooding
1964-09-101964-09-10DR-177-GAMajor disasterHurricane DoraHurricane (primary); also designated: Inland Flooding
1963-03-261963-03-26DR-150-GAMajor disasterSevere Storms & FloodingInland Flooding
1961-03-021961-03-02DR-110-GAMajor disasterFloodsInland Flooding
1954-03-171954-03-17DR-16-GAMajor disasterTornadoTornado
1953-05-021953-05-02DR-1-GAMajor disasterTornadoTornado

FEMA recorded these with designated area Statewide and no county, so they are listed on every county page in the state and not counted with county rows. Local data needed: whether each one affected this county.

Public Assistance filed under this county for declarations that do not list it: 3 rows, $2,262,102.28

Sources: 2, 3

FEMA numberDeclaredTitleApplicantPA obligatedfederal share obligated, nominal dollars
DR-1973-GA2011-04-29Severe Storms, Tornadoes, Straight-Line Winds, and Associated FloodingNorth Georgia EMC$1,817,051.26
DR-1858-GA2009-09-24Severe Storms and FloodingNorth Georgia EMC$75,965.56
DR-1311-GA2000-01-28Severe Winter StormNorth Georgia EMC$369,085.46

FEMA's Public Assistance summaries file these applicants under this county, but FEMA's declaration rows for these disasters do not designate it (an electric cooperative or district serving several counties, for example). Not in any declaration row above and not counted.

Previous occurrences by hazard, with explicit no-event rows

Sources: 2, 6, 7

HazardStorm Events records, all years on file(years in the Period column)Since plan approvalrecordsIn the 12 months before plan approvalrecordsLast 5 yearsrecordsDeclared incidents, all yearsseparate disastersDeclared since approvalseparate disastersPeriodStatement
Cold Wave14000001996 to 2026-06-30Includes 1 Frost/Freeze record.
Drought39707101996 to 2026-06-30
Earthquake000000Storm Events does not record earthquakes; the USGS earthquake catalog is the source.
Hail70404001955 to 2026-06-30
Heat Wave11000001996 to 2026-06-30
Hurricane16000311996 to 2026-06-30
Ice Storm4101101996 to 2026-06-30
Inland Flooding45000301996 to 2026-06-30
Landslide1000001996 to 2026-06-30
Lightning12000001996 to 2026-06-30
Strong Wind23670474001955 to 2026-06-30Includes 1 High Wind and 12 Strong Wind records.
Tornado7000401950 to 2026-06-30
Wildfire2000001996 to 2026-06-30
Winter Weather43101211996 to 2026-06-30

Notable Storm Events records

Sources: 1, 6, 7

DateEvent typeMagnitude or extentDamagenominal dollarsDeaths, injuriesdirect onlyLocationWhy listed
2018-07-04Lightning$0 property; $0 crops (2018 dollars)1, 0FILLMOREdeaths or injuries recorded
2017-09-11Tropical Storm$15,000 property; crops not reported, reported for the zone (2017 dollars)0, 0NWS zone GAZ004 (WHITFIELD), zone-levelB1-c worst recorded: Hurricane, Tropical Storm, Tropical Depression
2008-06-28Thunderstorm Wind75 kt (86 mph) estimated gust$50,000 property; $0 crops (2008 dollars)0, 0DALTONB1-c worst recorded: Thunderstorm Wind
2008-01-29High Wind50 kt (58 mph) estimated gust$10,000 property; $0 crops, reported for the zone (2008 dollars)0, 0NWS zone GAZ004 (WHITFIELD), zone-levelB1-c worst recorded: High Wind and Strong Wind
2005-01-28Winter Storm$25,000 property; crops not reported, reported for the zone (2005 dollars)0, 0NWS zone GAZ004 (WHITFIELD), zone-levelB1-c worst recorded: Winter Storm, Heavy Snow, Blizzard, Lake-Effect Snow, Winter Weather, Sleet
2003-05-22Flash Flood$1,000,000 property; crops not reported (2003 dollars)0, 0COUNTYWIDEB1-c worst recorded: Flash Flood, Flood, Lakeshore Flood
2000-12-01Extreme Cold/Wind Chilldamage not reported0, 0NWS zone GAZ004 (WHITFIELD), zone-levelB1-c worst recorded: Cold/Wind Chill, Extreme Cold/Wind Chill
2000-01-22Ice Storm$980,000 property; crops not reported, reported for the zone (2000 dollars)0, 0NWS zone GAZ004 (WHITFIELD), zone-levelB1-c worst recorded: Ice Storm
1999-07-20Heatdamage not reported0, 0NWS zone GAZ004 (WHITFIELD), zone-levelB1-c worst recorded: Excessive Heat, Heat
1998-05-07Hail2.75 in$25,000 property; crops not reported (1998 dollars)0, 0ROCKY FACE to TILTONB1-c worst recorded: Hail
1983-05-19TornadoF1, 0.5 mi path length (whole path, pre-1996), 30 yd wide$250,000 property; crops not recorded (1983 dollars)0, 3location not recordeddeaths or injuries recorded
1974-04-03TornadoF4, 3.3 mi path length (whole path, pre-1996), 150 yd wide$2,500,000 property; crops not recorded (1974 dollars)2, 25location not recordeddeaths or injuries recorded

The full list is in the Excel file, sheet "B1-d Storm Events history" (500 rows).

Location is the place NOAA recorded, as written in its data; it need not be a jurisdiction in this plan.

Local data needed: state-declared emergencies, from your state emergency management agency (federal data do not include them).

Tribal and special-area declarations in this state are listed on the state page.

Supports FEMA checklist item B1-e: probability of future events GEMA template B: Hazard profile (events and probability)

Probability: FEMA annualized frequency and descriptor per hazard

Sources: 5, 6

HazardFEMA annualized frequency (modeled)unit per rowUnitIn plain termsDescriptorDescriptor basisNRI events or days in its record period (hail, wind and tornado are area-weighted, so can be fractional)NRI periodLocationNote
Cold Wave1.53event-days per yearabout 1.53 days per yearLikely (from Storm Events: 6 of 30 years)event-days in 6 of 30 years, 1996 to 2025 (20%)292005-11-12 to 2024-11-12 (19 years)countywide
Drought27.5event-days per yearabout 27.5 days per yearLikely (from Storm Events: 14 of 30 years)event-days in 14 of 30 years, 1996 to 2025 (46.7%)8822000 to 2025 (25.25 years; D3 and D4 only)countywide
Earthquake0.00415annual probability at a locationchance a given location in the county has at least minor-damage shaking in a year: 0.415%not shownmodeledsee B1-fNo descriptor (Storm Events does not record earthquakes).
Hail4.71events per yearabout 4.71 per yearHighly likelyFEMA annualized frequency (modeled)179.1 (modeled)1986 to 2023 (38 years)countywide
Heat Wave1.53event-days per yearabout 1.53 days per yearLikely (from Storm Events: 5 of 30 years)event-days in 5 of 30 years, 1996 to 2025 (16.7%)262005-11-12 to 2024-11-12 (19 years)countywide
Hurricane0.023events per yearabout 1 in 43 yearsPossibleFEMA annualized frequency (modeled)81851 to 2024 (Atlantic)see B1-fNRI counts hurricane and tropical storm tracks passing within storm-force wind range; federal declarations are in B1-d.
Ice Storm0.625event-days per yearabout 0.625 days per yearPossible (from Storm Events: 2 of 30 years)event-days in 2 of 30 years, 1996 to 2025 (6.67%)421946-12-31 to 2014-02-12 (67 years)countywide
Inland Flooding0.893event-days per yearabout 0.893 days per yearLikely (from Storm Events: 12 of 30 years)event-days in 12 of 30 years, 1996 to 2025 (40%)251996 to 2023 (28 years)see B1-f
Landslide0.398events per year (modeled)about 1 in 3 yearsLikelyFEMA annualized frequency (modeled)not shownmodeledsee B1-f
Lightning62.5days per year with a strikeabout 62.5 days per yearHighly likelyFEMA annualized frequency (modeled)not shown1995 to 2023 (29 years; CONUS)countywide
Strong Wind4.05events per yearabout 4.05 per yearHighly likelyFEMA annualized frequency (modeled)1541986 to 2023 (38 years)countywide
Tornado0.18events per yearabout 1 in 6 yearsLikelyFEMA annualized frequency (modeled)not shown1950 to 2023 (EF2+); 1986 to 2023 (EF0-1)see B1-f
Wildfire0.000902annual probability at a locationchance a given location in the county burns in a year: 0.0902%Possible (from Storm Events: 2 of 30 years)Storm Events records in 2 of 30 years, 1996 to 2025 (6.67%)not shownmodeledsee B1-fDescriptor from Storm Events, not NRI.
Winter Weather5.63event-days per yearabout 5.63 days per yearLikely (from Storm Events: 20 of 30 years)event-days in 20 of 30 years, 1996 to 2025 (66.7%)1072005-11-12 to 2024-11-12 (19 years)countywide

FEMA annualized frequency (modeled) is the National Risk Index v1.20 (December 2025) estimate of how often a hazard affects this county in a year; it is not recorded events divided by years, and its unit differs by hazard (events, event-days, or days with a lightning strike per year). For earthquake, wildfire, coastal flooding and tsunami the value is the chance (or number of events) at a location in the county, not across the county, so no "1 in N years" is given and the descriptor comes from Storm Events where it has a record (none for earthquake). The Methods page gives each hazard's method, from FEMA's National Risk Index Technical Documentation v1.20.

Where NRI gives event-days, the descriptor comes from the share of years with a Storm Events record; NRI's source records more events, so the two differ.

Descriptor scale used in this packet (defined per unit)

Sources: 5, 6

UnitDescriptorDefinition
events per yearHighly likely1 or more per year
events per yearLikelyabout once in 1 to 10 years
events per yearPossibleabout once in 10 to 100 years
events per yearUnlikelyless than once in 100 years
annual probabilityLikely10% to under 100% chance in a given year
annual probabilityPossible1% to under 10% chance in a given year
annual probabilityUnlikelyunder 1% chance in a given year
event-days (share of years)Highly likelyevent-days recorded in 90% or more of years
event-days (share of years)Likelyevent-days recorded in 10% to under 90% of years
event-days (share of years)Possibleevent-days recorded in some years but under 10% of years
lightning strike-daysHighly likelycloud-to-ground strikes on 1 or more days per year

Intensity bands: historical frequency (Storm Events)

Source: 6

HazardBandYearsEventscounty-coded recordsYears in periodEvents per yearevents / years
Hail1.00-1.99 in1996 to 202523300.767
Hail2.00 in+1996 to 20251300.0333
Thunderstorm Wind (counted as NRI Strong Wind)50-64 kt1996 to 2025127304.23
Thunderstorm Wind (counted as NRI Strong Wind)65 kt+1996 to 20252300.0667
Thunderstorm Wind (counted as NRI Strong Wind)unmeasured or below 50 kt1996 to 202564302.13
TornadoEF0-11996 to 20252300.0667
TornadoEF2-31996 to 20250300
TornadoEF4-51996 to 20250300
Tornadounrated (EFU)1996 to 20250300

The bands show how often events of each severity were recorded in this county, to profile how severe events have been (FEMA's probability item asks for the range of intensities).

Hail smaller than 1 inch is not counted: on 2010-01-05 the National Weather Service raised its severe-hail threshold from 3/4 inch to 1 inch, so smaller reports became less common after 2009 (NWS Service Change Notice 09-52). NRI hail frequency uses a 0.75 inch threshold.

Optional: future conditions. Not a required item in the 2025 FEMA Local Mitigation Planning Policy Guide; some states ask for it. The federal Climate Mapping for Resilience and Adaptation (CMRA) site gives county exposure to future climate conditions (https://resilience.climate.gov/).

Supports FEMA checklist item B1-f: hazards that vary across jurisdictions GEMA template F: Multi-jurisdictional differences

Range of census tract risk within the county

Source: 5

HazardTractsrated of allNRI risk score, 0 to 100Tracts by rating
MinMedianMax
Cold Wave22 of 2275.591.098.3Very High 4, Relatively High 17, Relatively Moderate 1
Drought8 of 2274.385.489.2Relatively Low 6, Very Low 2, No Rating 14
Earthquake22 of 2264.378.093.7Relatively High 2, Relatively Moderate 9, Relatively Low 11
Hail22 of 2253.371.094.6Relatively High 2, Relatively Moderate 10, Relatively Low 10
Heat Wave22 of 227.720.048.8Relatively Low 18, Very Low 4
Hurricane22 of 2239.949.964.8Relatively Low 9, Very Low 13
Ice Storm22 of 2230.357.593.4Relatively High 1, Relatively Moderate 5, Relatively Low 15, Very Low 1
Inland Flooding22 of 229.847.896.9Very High 1, Relatively High 2, Relatively Moderate 7, Relatively Low 11, Very Low 1
Landslide22 of 2244.082.292.8Relatively Low 12, Very Low 10
Lightning22 of 2262.486.698.5Very High 3, Relatively High 16, Relatively Moderate 3
Strong Wind22 of 2249.274.395.9Relatively High 5, Relatively Moderate 16, Relatively Low 1
Tornado22 of 2267.188.299.8Very High 5, Relatively High 16, Relatively Moderate 1
Wildfire22 of 2241.474.985.2Relatively Low 13, Very Low 9
Winter Weather22 of 2256.078.398.2Very High 2, Relatively High 9, Relatively Moderate 11

Drought: Agriculture is all of NRI's expected annual loss for this hazard in the county, so the tract range mostly reflects where crop and livestock value is.

Rated tracts only: No Rating (score 0.0), Not Applicable and Insufficient Data tracts are counted but not used for the minimum, median and maximum.

The score ranks a tract against all U.S. tracts (100 = highest). The rating is FEMA's category for the tract's risk value, computed differently, so the two can disagree.

Frequency data for cold wave, drought, hail, heat wave, ice storm, lightning, strong wind and winter weather are county-wide or coarse (49 km grid or NWS zone), the same for every jurisdiction; the tract range mostly reflects where buildings and people are (crop and livestock value where a line above names agriculture).

Each jurisdiction (starting figures from federal data)

Sources: 1, 3, 4, 6

JurisdictionTypePlan statusRepetitive lossFMA RL and SRL (44 CFR 77.2); repeat-flood, any definitionPublic Assistance to this jurisdictionFEMA records matched by applicant name; federal share obligated, nominal dollarsEvent records naming this placeall years; since its planNotes
Whitfield County (unincorporated area)UnincorporatedApproved, expires 2028-01-23FMA RL 0, SRL 1; any 6$52,156.580 total; 0 since its plan
Cohutta cityTownApproved, expires 2028-01-23FMA RL 0, SRL 0; any 0no Public Assistance recorded20 total; 0 since its plan
Dalton cityCityApproved, expires 2028-01-23FMA RL 0, SRL 1; any 3$49,621.3987 total; 11 since its planIncludes $49,621.39 for declarations not counted as hazard incidents (DR-4501-GA).
Tunnel Hill cityCityApproved, expires 2028-01-23FMA RL 0, SRL 0; any 0no Public Assistance recorded15 total; 0 since its plan
Varnell cityCityApproved, expires 2028-01-23FMA RL 0, SRL 0; any 0no Public Assistance recorded22 total; 10 since its plan

Repetitive-loss counts are for whole NFIP communities, which can extend beyond this county (see the note in B2-c).

County Public Assistance in B1-d also includes applicants filed under the county that are not jurisdictions in this plan (for example state agencies, special districts and nonprofits), so the jurisdiction rows add up to less.

Supports FEMA checklist items B2-a and B2-b: vulnerability and potential impacts GEMA template C/D: Community exposure; Estimate of potential losses

Local data needed

The table below gives county-level starting figures; the plan describes impacts for each jurisdiction and its own assets.

County-level starter: exposure, expected annual loss and damage since the plan

Sources: 1, 2, 3, 5, 6, 7

HazardBuilding exposuremodeled dollarsAgriculture exposuremodeled dollarsPopulation exposedpeopleEAL buildingsmodeled dollars per yearEAL agriculturemodeled dollars per yearCost of expected deaths and injuriesFEMA's dollar value per year, not property damageEAL as % of exposurebuildings; agriculture where notedStorm Events damage since 2023-01-24county-coded records, property plus crops, nominal dollarsZone-level damage since planproperty plus crops, reported for the zonePublic Assistance since plannominal dollars; see noteNote
Cold Wave$21,799,473,331$176,151,531102,749$23,303$209,258$6,772,5830.000107%
Droughtn/a$1,933,051n/an/a$41,865n/a2.17% (agriculture)$0NRI has no building exposure for this hazard; agriculture shown
Earthquake$42,418,051,541n/a102,864$3,646,055n/a$1,212,3510.0086%
Hail$21,799,473,331$176,151,531102,749$557,019$5,371$89,9920.00256%
Heat Wave$21,799,473,331$176,151,531102,749$25$292$305,369under 0.0001%
Hurricane$21,798,863,807$176,097,898102,739$139,820$41,542$5,2780.000641%no Public Assistance recorded (1 declaration)
Ice Storm$21,778,994,074n/a102,695$182,706n/a$7,5070.000839%
Inland Flooding$21,794,905,583$26,095,8242,480$13,632,470$77,159$105,364n/a (see note)NRI counts the full building value of any census block with some flood loss; this is not the value of buildings in the floodplain. Use local FIRM overlays for B2-a/B2-b.
Landslide$1,136,118,063n/a6,759$446n/a$5,480under 0.0001%
Lightning$21,799,473,331n/a102,749$67,794n/a$779,2250.000311%
Strong Wind$21,799,473,331$176,151,531102,749$380,339$63,830$556,6780.00174%$109,000
Tornado$21,799,473,331$176,151,531102,749$3,538,655$9,085$5,124,6750.0162%
Wildfire$1,743,618,500$21,443,69512,450$51,577$186$10,9790.00296%
Winter Weather$21,799,473,331$176,151,531102,749$157,989$4$72,9590.000725%$0no Public Assistance recorded (1 declaration)

Totals since 2023-01-24 (Storm Events through 2026-06-30): 74 county-coded records, 58 with a damage value recorded (including $0), $109,000; 9 zone-level records, 8 with a damage value recorded (including $0), $0 reported for the zone; Public Assistance: none recorded on the 2 counted declarations.

FEMA does not split Public Assistance by hazard. A declaration mapped to several hazards is listed under each of them with its full amount, so the per-hazard column does not add up to the total; the unit total counts each declaration once.

NRI computes earthquake exposure on its own basis, so it exceeds the county building value in B2-a.

Supports FEMA checklist item B2-a: vulnerability (county context) GEMA template I: Social vulnerability

County context

Source: 5

MeasureValue
Population102,749
Building value (total, not at risk)$21,799,473,331
Agriculture value (total, not at risk)$176,151,531
NRI risk rating (all hazards)Relatively Moderate
Expected annual loss, buildings and agriculture, all hazards$22,826,791
Expected annual loss, population equivalence, all hazards (NRI values each statistical life at $13.7M; a modeled value of expected deaths and injuries, not property damage)$15,048,442
Social vulnerability ratingRelatively Moderate
Community resilience ratingVery Low
NRI versionDecember 2025

FEMA's all-hazard expected annual loss adds buildings, agriculture and population equivalence; this table gives the property part and the population-equivalence part as separate rows.

Social vulnerability: higher means people are more likely to be harmed and slower to recover. Community resilience: lower means the community is less able to recover. High social vulnerability and low resilience both raise the NRI risk rating.

Supports FEMA checklist item B2-c: repetitive loss properties

Repetitive loss in this county, both definitions

Sources: 1, 4

DefinitionPropertiesSevere repetitive lossProperties
Repetitive loss, FMA definition (44 CFR 77.2)0Severe repetitive loss, FMA definition (44 CFR 77.2)2
Repetitive loss, NFIP insurance definition9Severe repetitive loss, NFIP insurance definition2

The state NFIP coordinator's list, the source FEMA's Handbook names, often uses the NFIP insurance definition (second row).

Repeat-flood properties: county and state-level rows

Sources: 1, 4

ScopeRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
County total0292905
of which: Whitfield County (unincorporated area)0161602
of which: Dalton city0131303
Statewide, no county in FEMA's file2252616

The statewide row counts properties FEMA's file gives with no county in this state; they are listed for reference and are not in this county's counts.

Repeat-flood properties by jurisdiction in the plan (NFIP community)

Sources: 1, 4

JurisdictionNFIP community IDRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
Whitfield County (unincorporated area)1301930161602
Cohutta city1306180000000
Dalton city1301940131303
Tunnel Hill city1304890000000
Varnell city1306670000000

Counts by occupancy group for each jurisdiction are in the Excel file, sheet "B2-c Jurisdictions".

Jurisdiction rows are whole NFIP communities and need not add up to the county total: a community that extends into another county is counted in full on each jurisdiction row, while the county table counts only its part in this county.

County repeat-flood properties by occupancy group

Sources: 1, 4

Occupancy groupRL, FMApropertiesSRL, FMApropertiesRL, NFIPpropertiesSRL, NFIPpropertiesAny categorypropertiesMitigatedpropertiesCurrently insuredproperties
single-family residential0171703
2 to 4 unit residential0000000
other residential0000000
non-residential0121202
not reported0000000

FEMA's occupancy groups have no institutional class; institutional properties are counted in non-residential or other residential in the table by occupancy group.

FMA RL and FMA SRL are the Flood Mitigation Assistance definitions (44 CFR 77.2), the ones the FEMA Local Mitigation Planning Policy Guide cites. NFIP repetitive loss (the FEMA insurance definition) is 2 or more claims over $1,000 in 10 years, and a property can leave that group once it is mitigated. Also shown: NFIP severe repetitive loss, any category, mitigated and currently insured. The Methods page gives the OpenFEMA field details.

Counts are aggregates of FEMA's public NFIP Multiple Loss Properties file (FEMA's data date 2026-08-02; file version 2026-08-04). No property is identified. County assignment is FEMA's geocode.

In this county 0 properties are FMA repetitive loss but not NFIP repetitive loss, and 9 properties are NFIP repetitive loss but not FMA repetitive loss.

Exact counts; no count suppression.

Sources

Tables cite these sources by number. The full list, for the plan's bibliography (FEMA review item A4-a):

  1. FEMA, OpenFEMA HazardMitigationPlanStatuses v1, version 2026-09-29T134039Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/HazardMitigationPlanStatuses (API)
  2. FEMA, OpenFEMA DisasterDeclarationsSummaries v2, version 2026-09-29T162832Z, pulled 2026-09-30, https://www.fema.gov/api/open/v2/DisasterDeclarationsSummaries (API)
  3. FEMA, OpenFEMA PublicAssistanceFundedProjectsSummaries v1, version 2026-09-29T150754Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/PublicAssistanceFundedProjectsSummaries (API)
  4. FEMA, OpenFEMA NfipMultipleLossProperties v1, version 2026-08-04T164045Z, pulled 2026-09-30, https://www.fema.gov/api/open/v1/NfipMultipleLossProperties (API)
  5. FEMA, FEMA National Risk Index 1.20.0 (December 2025), county and census tract tables, version 1.20.0, pulled 2026-09-30, https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_Counties.zip (download, 25 MB), https://www.fema.gov/about/reports-and-data/openfema/nri/v120/NRI_Table_CensusTracts.zip (download, 635 MB)
  6. NOAA NCEI, NOAA NCEI Storm Events Database, details files (csvfiles v1.0), version c20260918, pulled 2026-09-30, https://www.ncei.noaa.gov/pub/data/swdi/stormevents/csvfiles/
  7. NOAA National Weather Service, NWS county-public forecast zones correlation file, version bp03mr20 to bp16ap26 (11 files; newest bp16ap26), pulled 2026-09-30, https://www.weather.gov/gis/ZoneCounty
  8. U.S. Census Bureau, Census 2024 Gazetteer, 2020 place by county, CT county-to-cousub crosswalk, version 2024-gazetteer, pulled 2026-09-30, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_counties_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_cousubs_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_place_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_unsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_elsd_national.zip, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/2024_Gaz_scsd_national.zip, https://www2.census.gov/geo/docs/reference/codes2020/national_place_by_county2020.txt, https://www2.census.gov/geo/docs/reference/ct_change/ct_cou_to_cousub_crosswalk.xlsx (used to match place names and codes; no table prints its values)

Section headings show the GEMA local hazard mitigation plan template letter (A to I) next to the FEMA checklist item (template: https://gema.georgia.gov/document/publication/local-hazard-mitigation-plan-update-template/download). No letter is documented for repetitive loss; place B2-c where your GEMA template puts it. The letters cross-reference the GEMA local plan template.

What this packet is and what the plan adds

This packet is the federal data for the plan's risk assessment, organized by the items of FEMA's Local Mitigation Plan Review Tool, Element B. Each section heading names the item its tables support; the plan and FEMA's review decide whether the item is met.

The plan adds what only the community has: local data on assets, critical facilities, development and each jurisdiction's impacts; local hazard history, including state-declared emergencies; the mitigation strategy; and adoption.

How the federal data are built: National Risk Index values are FEMA's model, not counts of events. Storm Events is more complete from 1996; zone-level records are placed by forecast zone, not by location in the county. Public Assistance for a jurisdiction is matched by applicant name. The Methods page gives every rule and the known edge cases.

OpenFEMA disclaimer

This product uses the Federal Emergency Management Agency's OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Reuse, citation and corrections

Reuse and citation: Hazard Plain text and tables are licensed under Creative Commons Attribution 4.0 International (CC BY 4.0, https://creativecommons.org/licenses/by/4.0/); credit Hazard Plain and the release. The underlying federal data are public domain; OpenFEMA data are also subject to the OpenFEMA terms and conditions.

Cite this: Hazard Plain (2026). Whitfield County, GA: risk-assessment baseline packet, release 2026-10 (data as of 2026-09-30; County FIPS 13313). Automated baseline. https://hazardplain.org/ga/13313/ Built from FEMA OpenFEMA, the FEMA National Risk Index and NOAA NCEI Storm Events; source versions in the packet's Sources list.

Corrections: to report an error, name the packet, the table and what your records show. Contact: [email protected]

Hazard Plain release 2026-10. As of 2026-09-30; Storm Events data through 2026-06-30. Automated baseline.