🌍 ClimateRiskCheck

Natural Disaster Risk in Upatoi

Georgia

6.5out of 10
High Risk

Risk Summary for Upatoi

Upatoi scores 6.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Lightning.

Top Hazards

Lightning Extreme Heat Hurricane

All 18 Hazard Scores

Lightning
9.5
Extreme Heat
9.2
Hurricane
8.8
Earthquake
8.6
Hail
8.4
Strong Wind
7.9
Landslide
7.7
Tornado
7.5
Wildfire
6.6
Ice Storm
6.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Winter Weather
3.6
Drought
3.5
Cold Wave
2.4
Riverine Flooding
1.0

How it compares

Upatoi
6.5
Georgia avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 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: Upatoi, Georgia

Upatoi is a small community of about 1,699 in Muscogee County, in the interior eastern United States. The area experiences hot, humid summers and relatively mild winters, with an active tornado and severe thunderstorm season in spring shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Upatoi.

According to FEMA's National Risk Index, Upatoi carries an overall risk score of 6.5/10, placing it in the high category. Frequent lightning strikes from an active thunderstorm environment represent the top natural hazard risk, posing safety concerns and causing fire ignitions and power outages. The area also faces notable exposure to heat and hurricane.

Upatoi's risk score, slightly above the 5.2/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Muscogee County, the highest-scoring are lightning, heat, and hurricane. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Upatoi'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 Upatoi: Lightning preparedness

  • Install whole-home surge protection to shield electronics from strike-related power surges.
  • Follow the "when thunder roars, go indoors" rule and wait 30 minutes after the last thunder.
  • Avoid plumbing and corded electronics during active thunderstorms.

Local Factors for Upatoi

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

Population

1,699

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 32.6Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 6.6/10

Coordinates

32.5668Β° N, 84.7279Β° W

Muscogee 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 Upatoi

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Upatoi

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.