Short answer: Augusta-Richmond County's FEMA National Risk Index report ranks hazards for Augusta tracts. Georgia's FAIR Plan is run by the Georgia Underwriting Association.
This guide is general information for homeowners and drivers in the Augusta area (Richmond County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Richmond County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Richmond County
Use FEMA's National Risk Index and the Richmond County report.
Federal disaster declarations in Richmond County
Since 1990, Richmond County has been part of 5 federal major disaster declarations, according to FEMA's declarations summaries; by incident type the most common were hurricane events (2), severe ice storm events (1) and severe storm events (1). The most recent: Hurricane Helene, 2024, Hurricane Irma, 2017, Severe Winter Storm, 2014 and Severe Storms and Flooding, 1998. FEMA also lists 8 emergency declarations for the county in the same data.
Seventy-seven homes bought out
Augusta's Floodplain Management office runs a voluntary Flood Buyout Program that has acquired 77 flood-prone properties since 2000. The houses are torn down and the land returned to open space that holds floodwater. The program gives priority to occupied homes that flood often. Ask the Floodplain Manager whether a street you are considering has buyout properties nearby.
Near the levee, and what the office can give you
Augusta publishes levee outreach and a map of the area protected by its levee. A levee lowers flood risk but doesn't eliminate it. Planning & Development keeps the city's flood records and can give you a flood map determination, copies of elevation certificates and FIRMs, substantial-damage determinations and help with a Letter of Map Amendment. Call the Floodplain Manager at (706) 821-1796 before you buy or build.
Residual market: GUA
Declined Augusta homes can apply to the Georgia Underwriting Association through an agent.
More for Augusta policyholders
Tropical systems moving inland can topple tall pines across roofs. Check your tree-removal sublimit and whether a windstorm deductible applies.
Auto: Georgia 25/50/25
Georgia minimum liability is 25/50/25 per OCI.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Georgia.
Frequently asked questions
Is Augusta at hurricane risk?
Inland tropical wind and tree damage are real exposures; check your windstorm deductible.
What is GUA?
Georgia's FAIR Plan for property the voluntary market won't write.
What auto liability does Georgia require?
25/50/25.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.