Natural Disaster Risk — ZIP Code 31318
Meldrim, Georgia
Risk Summary for ZIP 31318
ZIP 31318 scores 5.6/10 (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: ZIP 31318, Georgia
Located near the Atlantic Coast of the southeastern United States, ZIP 31318 serves the Meldrim community. The humid subtropical climate of this part of Georgia — bringing hot, humid summers and relatively mild winters — directly shapes the hazard exposure for properties in this postal area.
ZIP 31318's overall natural disaster risk is rated 5.6/10 (Moderate) by FEMA's National Risk Index. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. Secondary hazards include coastal flood and heat.
Relative to other U.S. communities, ZIP 31318'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 hurricane and coastal flood, as measured by FEMA across Georgia. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.
ZIP 31318's moderate risk profile means that while catastrophic events are less frequent, they do occur. Standard homeowners insurance typically covers many common hazards here, but confirming that hurricane exposure is adequately protected is a worthwhile step for property owners.
What this means for ZIP 31318: Hurricane preparedness
- Know your evacuation zone and route before hurricane season begins each June.
- 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.
Risk for the surrounding area
Local Factors for ZIP 31318
These city-level factors differentiate ZIP 31318 from other communities in Georgia County and provide geographic context for its hazard exposure.
Population
451
RuralGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 32.1°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 7.6/10
Coordinates
32.1358° N, 81.3757° 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 31318
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
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 — consult official emergency management resources and a licensed insurer for property-specific advice.