🌍 ClimateRiskCheck

Natural Disaster Risk β€” ZIP Code 31313

Hinesville, Georgia

5.8out of 10
Moderate Risk

Risk Summary for ZIP 31313

ZIP 31313 scores 5.8/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Lightning

All 18 Hazard Scores

Hurricane
9.8
Coastal Flooding
9.3
Lightning
8.4
Wildfire
7.9
Earthquake
7.9
Extreme Heat
7.8
Hail
6.2
Ice Storm
6.0
Tsunami
5.4
Volcanic Activity
5.1
Avalanche
4.5
Tornado
4.4
Cold Wave
4.2
Strong Wind
4.0
Winter Weather
3.3
Drought
2.6
Landslide
1.6
Riverine Flooding
1.0

How it compares

ZIP 31313
5.8
Georgia avg.
5.2
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 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: ZIP 31313, Georgia

ZIP 31313 in Hinesville sits near the Atlantic Coast of the southeastern United States. Its humid subtropical climate produces hot, humid summers and relatively mild winters, and notably an active tornado and severe thunderstorm season in spring. These conditions define the natural disaster environment for households across this ZIP code.

According to FEMA's National Risk Index, ZIP 31313 carries an overall risk score of 5.8/10, placing it in the moderate category. 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 June–November season. The area also faces notable exposure to coastal flood and lightning.

Within Georgia, ZIP 31313'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 Georgia 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, ZIP 31313 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 ZIP 31313: 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.

Risk for the surrounding area

Local Factors for ZIP 31313

These city-level factors differentiate ZIP 31313 from other communities in Georgia County and provide geographic context for its hazard exposure.

Population

42,838

Suburban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Warm Subtropical

Latitude 31.8Β°

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

31.8353Β° N, 81.6183Β° W

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for ZIP 31313

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

Nearby ZIP codes

Other cities in Georgia

Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only β€” consult official emergency management resources and a licensed insurer for property-specific advice.