Storm risk in Muscogee County, Georgia

FEMA's overall hazard score for Muscogee County is 81.55 (Relatively Moderate), 581st of 3,144 counties. Hail scores 81.23 (Relatively Moderate), strong wind 75.48 (Relatively Moderate) and tornado 71.28 (Relatively Moderate). Expected hail loss is $14 per $1 million of buildings a year; NOAA logged 14 hail reports in Muscogee County from 2014 to June 2026.

FEMA National Risk Index, version December 2025, retrieved October 8, 2026. NOAA hail reports 2014 to June 2026.

Muscogee County: expected yearly loss per $1 million of buildings for hail, strong wind and tornado, on a log scale, against all U.S. counties and the counties of GA$0.1$1$10$100$1,000Hail: $14 per $1 million, 1,890th of 3,126 rated counties$14Hail1,890th of 3,126 countiesStrong wind: $4.34 per $1 million, 2,675th of 3,121 rated counties$4.34Strong wind2,675th of 3,121 countiesTornado: $61 per $1 million, 2,321st of 3,144 rated counties$61Tornado2,321st of 3,144 counties
  • Muscogee County, coloured by its FEMA rating
  • all U.S. counties
  • each county in the state
  • U.S. median
  • state median

Expected yearly loss per $1 million of buildings, log scale. Dot colour is FEMA’s rating band. The tornado lane counts everything exposed, not only buildings.

How FEMA rates Muscogee County

HazardRatingScore (0 to 100)Rank in U.S.Rank in GA
OverallRelatively Moderate 81.55581 of 3,14415 of 159
HailRelatively Moderate 81.23591 of 3,12611 of 159
Strong windRelatively Moderate 75.48772 of 3,12613 of 159
TornadoRelatively Moderate 71.28904 of 3,12646 of 159

Expected yearly loss, in dollars

HazardThis county, total a yearPer $1M of buildingsState median countyU.S. median countyRank per $1M, U.S.Rank per $1M, state
Hail$506,641$14 $13$22 1,890 of 3,12678 of 159
Strong wind$162,378$4.34 $13$20 2,675 of 3,121143 of 159
Tornado$2,267,083$61 $209$199 2,321 of 3,144156 of 159

Rank 1 is the highest. Overall, hail and wind losses count buildings; the tornado row counts everything FEMA exposes, so it overstates building damage. Expected annual loss is an average over many years for the whole county, not a forecast for one roof.

What stands out in Muscogee County

  • FEMA expects hail in Muscogee County to cost $14 per $1 million of buildings a year: 0.61 times the U.S. median and 1.01 times the GA county median, ranked 1,890th of 3,126 counties nationally and 78th of 159 in Georgia.
  • FEMA expects strong wind in Muscogee County to cost $4.34 per $1 million of buildings a year: 0.21 times the U.S. median and 0.32 times the GA county median, ranked 2,675th of 3,121 counties nationally and 143rd of 159 in Georgia.
  • FEMA expects tornado in Muscogee County to cost $61 per $1 million of buildings a year: 0.30 times the U.S. median and 0.29 times the GA county median, ranked 2,321st of 3,144 counties nationally and 156th of 159 in Georgia.
  • NOAA has only 14 hail reports for Muscogee County in 12 years, too few for a trend; FEMA's 102 counted hail events cover a longer record.
  • Applying FEMA's estimate to a $182,300 home, the average yearly loss in Muscogee County is about $2.47 for hail and $0.79 for wind before any deductible; at the U.S. median county rates it would be $4.07 and $3.71.
  • If the next years look like 2014 to 2025, a roof kept 20 years in Muscogee County meets about 10.0 hail days of 1 inch or more; the median county in NOAA's file (1,275 counties) would give 35.0.
  • Built in 1978, the median home in Muscogee County is 48 years old, so an original roof has outlived a 3-tab shingle (15 to 20 years) and an architectural one (25 to 30 years); 77.4% of its 91,288 homes are at least 26 years old.
  • March to June holds 8 of the 14 hail reports in Muscogee County (57 percent); the quietest month is January, with 0 reports.

What hail and wind cost a home here in an average year

Enter a home value. The calculator applies Muscogee County’s own loss rate: the county’s expected yearly loss divided by the value of its buildings. It starts at the Census median home value for the county.

$2.47hail, a year; $4.07 at the U.S. median county rate
$0.79strong wind, a year; $3.71 at the U.S. median county rate
$65hail and wind together over 20 years, at today’s rate

Formula: home value × Muscogee County yearly loss ÷ building value. Hail: $506,641 ÷ $37,421,272,100 = 0.0000135. Wind: $162,378 ÷ $37,421,272,100 = 0.0000043. This is FEMA’s estimate of average damage to buildings and does not account for your deductible. Tornado is left out because FEMA’s tornado loss counts people and other exposure, not only buildings.

Read this as a yardstick. The rate is an average over every building in the county, from sheds to office towers, and over many years. Real losses come in rare, large storms; a roof with no damage in 19 years can need full replacement in the 20th. The figure is not a quote and not a prediction for one address.

Muscogee County in plain numbers

  • Muscogee County scores 81.55 in FEMA's overall hazard index (Relatively Moderate): 581st of 3,144 rated counties and 15th of 159 in Georgia.
  • Hail scores 81.23 (Relatively Moderate). FEMA expects $506,641 of hail damage to buildings in Muscogee County a year, which is $14 per $1 million of buildings, 0.61 times the U.S. median.
  • Strong wind scores 75.48 (Relatively Moderate) with $162,378 of expected yearly building loss in Muscogee County: $4.34 per $1 million of buildings, 0.21 times the U.S. median.
  • Tornado scores 71.28 (Relatively Moderate) and FEMA's expected yearly tornado loss is $2,267,083, counting everything exposed, or $61 per $1 million of buildings in Muscogee County.
  • FEMA's own event record for Muscogee County averages 2.68 hail events and 1.47 strong-wind events a year.
  • NOAA logged 14 hail reports in Muscogee County between 2014 and June 2026, on 6 days with stones of 1 inch or more; the largest was 1.75 inches.
  • In Muscogee County, FEMA counts buildings worth 37.42 billion dollars and 206,469 residents.
  • Social vulnerability is Relatively Moderate in Muscogee County.
  • Community resilience there is Relatively Moderate, for 206,469 residents.
  • 1 city in Muscogee County is covered on this site: Columbus. 8 Census ZIP areas have more than half of their land in the county.
  • Our guide range for a 2,000 sq ft asphalt roof in Columbus is $5,950 to $13,175.
  • Muscogee County ranks 123 of the 194 counties with a page here for hail loss per $1 million of buildings, 156 for wind and 170 for tornado.
  • In Muscogee County, December is the busiest month with 5 of the 14 reports (36 percent), against 2 reports in June.
  • Muscogee County's worst year was 2021, with 1 hail day at 1 inch or more and 5 reports. At the 2014 to 2025 pace that is 0.50 such days a year, one about every 24.0 months.
  • The median home in Muscogee County was built in 1978; 53.4% of its 91,288 housing units date from before 1980, 77.4% from before 2000 and 8.2% from 2010 on.
  • Census puts the median home value in Muscogee County at $182,300, and 50.2% of homes are lived in by their owners.
  • 3,937 single-family building permits were issued in Muscogee County from 2014 to 2025, about 43.1 per 1,000 homes, peaking in 2020.
  • NOAA lists 5 tornado tracks in Muscogee County since 2014; the strongest was an EF3 on March 3, 2019 near Double Churches, 8.88 miles long.
  • The fastest gust in NOAA's records for Muscogee County is 75 mph on April 29, 2014 at Double Churches.
  • The nearest county with a page here is Houston County, 70 miles from the centre of Muscogee County; its hail score is 70.55.
  • Across counties the median is one roofing firm for every 5,189 homes; Census counted 9 roofing contractor establishments in Muscogee County in 2023, one for every 10,143 homes.

The hail record of Muscogee County, year by year

NOAA logged 14 reports in Muscogee County; hail of 1 inch or more fell on 6 days. With so few reports the yearly bars below are small numbers, and a single storm moves them.

Muscogee County: NOAA hail reports per year, 2014 to June 2026, with the number of days that had hail of 1 inch or more0123452014: 0 reports, 0 days at 1 inch or more, largest 0 inch142015: 1 reports, 1 days at 1 inch or more, largest 1 inch152016: 0 reports, 0 days at 1 inch or more, largest 0 inch162017: 3 reports, 1 days at 1 inch or more, largest 1 inch172018: 0 reports, 0 days at 1 inch or more, largest 0 inch182019: 0 reports, 0 days at 1 inch or more, largest 0 inch192020: 1 reports, 1 days at 1 inch or more, largest 1 inch202021: 5 reports, 1 days at 1 inch or more, largest 1.75 inch212022: 1 reports, 1 days at 1 inch or more, largest 1 inch222023: 3 reports, 1 days at 1 inch or more, largest 1.5 inch232024: 0 reports, 0 days at 1 inch or more, largest 0 inch242025: 0 reports, 0 days at 1 inch or more, largest 0 inch252026: 0 reports, 0 days at 1 inch or more, largest 0 inch26*
  • reports
  • days with hail of 1 inch or more
  • * 2026 runs to June only
Muscogee County: NOAA hail reports by calendar month, 2014 to June 2026January: 0 reports0JanFebruary: 0 reports0FebMarch: 3 reports3MarApril: 3 reports3AprMay: 0 reports0MayJune: 2 reports2JunJuly: 1 reports1JulAugust: 0 reports0AugSeptember: 0 reports0SepOctober: 0 reports0OctNovember: 0 reports0NovDecember: 5 reports5Dec

Reports by calendar month, all years together. Peak: December, 5 reports.

The same numbers as a table (years with at least one report)
YearReportsDays, 1 inch or moreDays, 1.75 inch or moreLargest stoneDamage reported
20151101 in–
20173101 in–
20201101 in–
20215111.75 in–
20221101 in–
20233101.5 in–

Biggest hail days in Muscogee County

DateLargest stoneReports that dayDamage reportedNear
December 30, 20211.75 in5none recordedAlta Vista
March 26, 20231.5 in3none recordedUpatoi
April 5, 20171 in3none recordedAvondale
June 9, 20151 in1none recordedDouble Churches
July 25, 20201 in1none recordedSchatulga

Where large hail was reported

FEMA scores the county as a whole. NOAA’s reports show where inside Muscogee County the big stones fell.

Reported hail locations, Muscogee County

1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1 in hail1.25 in hail1.5 in hail1.75 in hail Columbus
  • 111 to 1.74 in
  • 11.75 to 2.74 in, golf ball to tennis ball
  • 02.75 in and up, baseball

Largest plotted stone: 1.75 in. Bigger dots are bigger stones.

12 reports of 1 inch or larger have coordinates. Each dot is a reported location, not a storm path.

Sources: NOAA, Census county outline

Wind and tornado records for Muscogee County

Fastest gusts in Muscogee County

DateGustNear
April 29, 201475 mphDouble Churches
July 18, 201670 mphColumbus
May 26, 201569 mphAvondale
August 6, 201569 mph(Csg)Columbus Metro

Strongest tornado tracks in Muscogee County

DateScaleLengthInjured / killedNear
March 3, 2019EF38.88 mi0 / 0Double Churches
April 6, 2025EF12.62 mi0 / 0Flat Rock
April 3, 2017EF13.27 mi0 / 0Muscogee
April 14, 2019EF02.67 mi0 / 0Avondale

5 tornado tracks in all since 2014; the strongest 4 are listed.

How old the roofs are

Census counts homes by the decade they were built. Under each bar is the number of hail days of 1 inch or more that an original roof from that decade has met, at Muscogee County’s 2014 to 2025 pace of 0.50 such days a year. Most roofs have been replaced since; the row shows what a roof that never was would have taken.

Muscogee County: share of homes by decade built, with the hail days at 1 inch or more that an original roof from each decade has met at the county's 2014 to 2025 ratepre-1940: 6.2% of homes6.2%<1940461940s: 5.4% of homes5.4%1940s401950s: 11.9% of homes11.9%1950s361960s: 14.4% of homes14.4%1960s301970s: 15.6% of homes15.6%1970s261980s: 11.7% of homes11.7%1980s201990s: 12.2% of homes12.2%1990s162000s: 14.4% of homes14.4%2000s102010s: 7.7% of homes7.7%2010s62020+: 0.5% of homes0.5%2020+2

Bars: share of 91,288 housing units by decade built. Figures under the decade: hail days met by an original roof, at the county’s 2014 to 2025 pace. The pace of earlier years is unknown.

Median year built1978
Built before 198053.4%
Built before 200077.4%
Built since 20108.2%
Owner-occupied50.2%
Median home value$182,300
Single-family permits, 2014 to 20253,937
Permits per 1,000 homes43.1

Asphalt shingles are rated 15 to 20 years (3-tab) and 25 to 30 years (architectural). Source: Census ACS 2019 to 2023 and Building Permits Survey.

Roofers and past disasters in Muscogee County

Roofing firms in Muscogee County

Roofing contractor establishments, 20239
Change since 2016+2 (+29%)
Homes per roofing firm10,143
Median across counties5,189
Employees, 202337

Source for Muscogee County: Census County Business Patterns, NAICS 238160.

Nearby counties

The closest counties that have a risk page, by distance between county centres. Loss is per $1 million of buildings; the columns marked "times here" divide the neighbour's loss by Muscogee County's.

CountyMilesOverallHail lossHail, times hereWind lossWind, times hereNOAA hail reports
Houston County, GA70 Relatively Low $130.97$102.3813
Bibb County, GA71 Relatively Low $181.31$102.315
Dougherty County, GA76 Relatively Moderate $3.730.28$276.1315
Cobb County, GA100 Relatively High $352.58$4.671.0826
Clarke County, GA132 Relatively Low $271.97$7.701.7711
Lowndes County, GA149 Relatively Low $2.560.19$102.3312

More Georgia counties, nearest first

All 194 counties, with a filter by state and sorting

Cities and ZIP areas in Muscogee County

1 city in this county is on PickARoofer. ZIP Code Tabulation Areas are Census shapes that approximate ZIP codes; where we have a city’s ZIPs, the share is the part of each area’s land that lies in this county. 8 such areas have more than half their land here.

CityZIP areas (share of land in the county)Pages
Columbus 31901 (100%), 31904 (100%), 31906 (100%), 31907 (100%), 31909 (100%) Roofers

Storm hit your roof in Muscogee County? A free inspection tells you if there is damage. One local roofer answers, not five.

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Questions

How high is storm risk in Muscogee County?

FEMA's National Risk Index gives Muscogee County an overall score of 81.55 (Relatively Moderate), 581st of 3,144. Hail scores 81.23 (Relatively Moderate), strong wind 75.48 (Relatively Moderate) and tornado 71.28 (Relatively Moderate).

In Muscogee County, how many hail reports has NOAA logged?

A report is one entry for one storm in one county, so counts follow where people live as well as where hail fell. NOAA has 14 for Muscogee County between 2014 and June 2026, on 6 days with hail of 1 inch or more; the largest stone was 1.75 inches.

What do hail and wind cost a home in Muscogee County each year, on average?

Applying FEMA's county rates to its median home value of $182,300: FEMA's estimate is about $2.47 a year for hail and $0.79 for wind, before any deductible, against $4.07 and $3.71 at the U.S. median county rates. This is an average over many years and all buildings, not a prediction for one roof; one bad storm costs far more than the average year.

How does Muscogee County compare with the rest of Georgia?

Per $1 million of buildings Muscogee County loses $14 to hail a year, against $13 in the median county of the state. Among 159 rated counties it is 11th for hail, 13th for strong wind and 46th for tornado.

How old are the roofs in Muscogee County?

The median home was built in 1978, 48 years ago, and 77.4% of the 91,288 housing units in Muscogee County date from before 2000. Asphalt shingles are rated 15 to 20 years (3-tab) or 25 to 30 years (architectural), so an original roof of either kind is past its rated life. The Census does not record when a roof was replaced.

What does expected annual loss mean?

It is FEMA's estimate of the average yearly loss from a hazard, in dollars, summed over the county. It is built for comparing counties at planning level, not for pricing one house.

Does a high rating mean my roof will be damaged?

No. The index compares counties and cannot say what will happen on your street. After a storm, a roof inspection is the only way to know.

Sources for Muscogee County: FEMA National Risk Index, version December 2025, retrieved October 8, 2026; NOAA Storm Events Database hail reports for Muscogee County; Census Bureau ZCTA-to-county relationship file (2020); Census ACS and Building Permits Survey, homes in Muscogee County; Census County Business Patterns, roofing firms in Muscogee County. Planning-level information about Muscogee County, not an inspection and not insurance advice.

This product uses the Federal Emergency Management Agency's National Risk Index dataset but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).