Natural Disaster Risk in Fort Stewart
Georgia
Risk Summary for Fort Stewart
Fort Stewart scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — 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: Fort Stewart, Georgia
Fort Stewart, in Liberty County, is a town of roughly 7,580 residents situated near the Atlantic Coast of the southeastern United States. Its humid subtropical climate brings hot, humid summers and relatively mild winters, and in particular an active tornado and severe thunderstorm season in spring. These conditions collectively define the natural hazard environment that Fort Stewart residents and property owners must navigate.
Fort Stewart's overall natural disaster risk is rated 5.8/10 (Moderate) by FEMA's National Risk Index. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Secondary hazards include coastal flood and lightning.
Within Georgia, Fort Stewart's risk is, slightly above the 5.2/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Liberty County identifies hurricane as the foremost hazard, followed by coastal flood and lightning. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, Fort Stewart residents are well-served by maintaining standard preparedness practices — 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 Fort Stewart: Hurricane preparedness
- 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.
- Know your evacuation zone and route before hurricane season begins each June.
Local Factors for Fort Stewart
These city-level factors differentiate Fort Stewart from other communities in Liberty County and provide geographic context for its hazard exposure.
Population
7,580
Small TownGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Warm Subtropical
Latitude 31.9°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.9/10
Coordinates
31.8877° N, 81.6060° W
Liberty 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 Fort Stewart
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Fort Stewart
Other cities in Georgia
Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.