Natural Disaster Risk in McCaysville
Georgia
Risk Summary for McCaysville
McCaysville scores 6.0/10 (High risk), above the U.S. average of 4.5. The leading hazard is Landslide.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π What this means for insurance
Above-average risk β check your policy limits
Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: McCaysville, Georgia
McCaysville, in Fannin County, is a town of roughly 2,607 residents situated in the interior eastern 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 McCaysville residents and property owners must navigate.
McCaysville's overall natural disaster risk is rated 6.0/10 (High) by FEMA's National Risk Index. The area faces significant landslide risk, where mountainous topography and saturated soils during wet periods combine to create hazardous mass movement conditions. Secondary hazards include wildfire and cold wave.
Within Georgia, McCaysville'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 Fannin County identifies landslide as the foremost hazard, followed by wildfire and cold wave. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
McCaysville's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.
What this means for McCaysville: Landslide preparedness
- 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.
- Standard insurance generally excludes landslide and earth-movement damage β ask about specialized coverage.
Local Factors for McCaysville
These city-level factors differentiate McCaysville from other communities in Fannin County and provide geographic context for its hazard exposure.
Population
2,607
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Mild Temperate
Latitude 35.0Β°
Flood Terrain
Minimal β county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate β seasonal fire risk
Fire score: 7.9/10
Coordinates
34.9722Β° N, 84.4246Β° W
Fannin 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 McCaysville
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in McCaysville
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.