Natural Disaster Risk in Fitzgerald
Georgia
Risk Summary for Fitzgerald
Fitzgerald scores 4.9/10 (Moderate risk), near the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Average risk β standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: Fitzgerald, Georgia
Located in the Deep South in Ben Hill County, Fitzgerald is a city of approximately 18,552 residents. The humid subtropical climate that characterizes this part of Georgia β marked by hot, humid summers and relatively mild winters β directly influences the types and severity of natural hazards present, making Fitzgerald a community where hazard awareness has real practical value.
FEMA rates Fitzgerald's composite natural disaster risk at 4.9 out of 10 β moderate risk. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the JuneβNovember season. Residents should also account for tornado and drought risk in their preparedness planning.
Relative to other U.S. communities, Fitzgerald's natural disaster risk is near the U.S. national average of 4.5/10, near the 5.2/10 state average. The hazard distribution here is led by hurricane and tornado, as measured by FEMA across Ben Hill County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
With a moderate risk rating, Fitzgerald residents are well-served by maintaining standard preparedness practices β an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hurricane is recommended.
What this means for Fitzgerald: Hurricane preparedness
- Know your evacuation zone and route before hurricane season begins each June.
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
Local Factors for Fitzgerald
These city-level factors differentiate Fitzgerald from other communities in Ben Hill County and provide geographic context for its hazard exposure.
Population
18,552
SuburbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Warm Subtropical
Latitude 31.7Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 5.0/10
Coordinates
31.7339Β° N, 83.2175Β° W
Ben Hill County
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for Fitzgerald
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fitzgerald
Other cities in Georgia
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.