Risk Index · Chatham County · 2026-06-13
Savannah, GA real-estate risk
- Risk score
- 97.4/100
- Relatively High
- Expected annual loss
- $277M
- all hazards, county-wide
- Buildings-only loss
- $242M
- what owners and insurers carry
- Population
- 294K
- Chatham County
Savannah, GA (Chatham County) carries a FEMA National Risk Index score of 97.4/100, rated "Relatively High" and driven mainly by hurricane and coastal flood, with roughly $277M in expected natural-hazard losses per year (FEMA NRI, 2025).
Exhibit 1 · Hazard scores, national percentile
95th percentile- Hurricane99.4
- Coastal flood96
- Heat wave95.3
- Earthquake94.4
- Wildfire92.4
- Riverine flood90.8
- Strong wind80.5
- Tornado77.4
- Hail69.1
- Drought37.8
Each score is the county's percentile against every US county for that hazard (0-100).
What it means for insurance
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Savannah risk questions
Is Savannah, GA a high-risk area for real estate?
Savannah scores 97.4/100 on FEMA's National Risk Index, rated "Relatively High" versus all US counties. Its expected natural-hazard loss is about $277M per year.
What is the biggest natural hazard in Savannah?
The highest-rated hazard is hurricane (99.4/100), followed by coastal flood (96/100).
How does hazard risk affect property insurance in Savannah?
Coastal flood and hurricane exposure make property insurance the swing cost in this market. Premiums and deductibles here can move a deal's NOI by double digits. Treat the insurance binder as a Day-1 diligence item.
Source: FEMA National Risk Index (Counties), v1.20 (2026-06-13). Scores are national percentiles (0-100). Insurance commentary is PropHunt's interpretation of the hazard data, not an insurance quote.