🌍 ClimateRiskCheck

Natural Disaster Risk in Hiawassee

Georgia

5.2out of 10
Moderate Risk

Risk Summary for Hiawassee

Hiawassee scores 5.2/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Landslide.

Top Hazards

Landslide Cold Wave Hurricane

All 18 Hazard Scores

Landslide
9.2
Cold Wave
7.8
Hurricane
6.7
Ice Storm
6.2
Wildfire
6.0
Lightning
5.7
Earthquake
5.5
Tornado
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Drought
4.8
Avalanche
4.5
Strong Wind
3.7
Hail
3.6
Winter Weather
2.0
Extreme Heat
1.7
Riverine Flooding
1.0

How it compares

Hiawassee
5.2
Georgia avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 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: Hiawassee, Georgia

Located in the interior eastern United States in Towns County, Hiawassee is a town of roughly 8,096 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 Hiawassee a community where hazard awareness has real practical value.

Hiawassee's overall natural disaster risk is rated 5.2/10 (Moderate) by FEMA's National Risk Index. Slope instability and debris flows are the primary natural hazard, driven by a combination of local geology, precipitation intensity, and terrain that creates susceptibility to failure. Secondary hazards include cold wave and hurricane.

Relative to other U.S. communities, Hiawassee's natural disaster risk is above the U.S. national average of 4.5/10, near the 5.2/10 state average. The hazard distribution here is led by landslide and cold wave, as measured by FEMA across Towns County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

With a moderate risk rating, Hiawassee 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 landslide is recommended.

What this means for Hiawassee: Landslide preparedness

  • Standard insurance generally excludes landslide and earth-movement damage β€” ask about specialized coverage.
  • Have an evacuation plan ready during periods of intense or prolonged rainfall.
  • Watch for warning signs such as new cracks, tilting trees, or changes in water drainage on slopes.

Local Factors for Hiawassee

These city-level factors differentiate Hiawassee from other communities in Towns County and provide geographic context for its hazard exposure.

Population

8,096

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 34.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.0/10

Coordinates

34.9067Β° N, 83.7102Β° W

Towns 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 Hiawassee

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Hiawassee

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.