Brunswick, GA Flood Zone Lookup
Last updated: March 2026
Brunswick is a low-lying coastal city vulnerable to hurricane storm surge and tidal flooding. The surrounding marshlands and barrier islands provide some protection but are threatened by sea level rise.
Glynn County has recorded 1,995 NFIP flood insurance claims since 1978, totaling $43.3M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
15,651
Glynn County
Avg. Premium
$774/yr
Glynn County
FEMA Flood Risk Profile: Glynn County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively LowEst. annual loss: $5.8M
Coastal Flood Risk
Relatively HighEst. annual loss: $4.5M
Hurricane Risk
Relatively HighEst. annual loss: $21.4M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Glynn County
Glynn County has been included in 11 federal flood-related disaster declarations.
...and 3 earlier declarations since 1999.
These declarations affected communities across Glynn County, including Brunswick.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Glynn County
Properties in Glynn County have filed 1,995 NFIP flood insurance claims totaling $43.3M in payouts since 1978. The average claim payout is $22K.
Highest-Claim Years
2017
884 claims - $29.0M
2016
255 claims - $5.8M
2005
242 claims - $2.8M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Glynn County
Only roughly 1 in 2 households in Glynn County carries NFIP flood insurance (47% of estimated households).
Penetration Rate
47%
roughly 1 in 2 households
Historical Claims Ratio
1 in 8
1,995 claims over 45+ years across 15,651 current policies
Avg. Claim Payout
$21,679
Per claim, county-wide since 1978
Historically, Glynn County has averaged 1 claim for every 8 active policies (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Brunswick.
What Your Flood Zone Means in Brunswick
Brunswick is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Brunswick are Zone AE, Zone VE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $5.8M. Properties in Brunswick's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Brunswick are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Brunswick address.
Repetitive Loss Properties: Glynn County
Glynn County has 158 properties with multiple flood insurance losses, including 12 severe repetitive loss properties. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
158
2+ claims within 10 years
Severe Repetitive Loss
12
4+ claims or 2 exceeding value
Mitigated
0
Received FEMA mitigation
By Flood Zone
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Glynn County
NOAA has recorded 16 flood events in Glynn County since 1996, causing $18K in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Glynn County
FEMA has funded mitigation for 11 properties in Glynn County, investing $92K in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Brunswick
Brunswick participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 5
SFHA Premium Discount
25% off
CRS classes range from 1 (best) to 10 (no discount). Brunswick's Class 5 rating means NFIP policyholders in the SFHA can receive up to a 25% discount on their flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Source: FEMA Community Rating System, April 2026. Discounts apply to NFIP policies only.
Brunswick, GA Flood Zone FAQ
What flood zones are in Brunswick, GA?
The most common FEMA flood zones in Brunswick are Zone AE, Zone VE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Brunswick?
If your Brunswick property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Brunswick?
Enter your Brunswick address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Brunswick offer flood insurance discounts?
Yes. Brunswick participates in FEMA's Community Rating System (CRS) with a Class 5 rating, qualifying residents in the Special Flood Hazard Area for up to a 25% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 10% discount.
Has Brunswick experienced major flooding events?
Glynn County, where Brunswick is located, has been part of 11 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Helene in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Brunswick?
Glynn County has recorded 1,995 NFIP flood insurance claims totaling $43.3M in payouts since 1978. The year with the most claims was 2017, with 884 claims and $29.0M in payouts. These figures cover all NFIP claims in the county, including Brunswick.
How many flood insurance policies are active in Brunswick?
Glynn County currently has 15,651 active NFIP flood insurance policies with an average annual premium of $774. The most policies are in Zone AE (7,724 policies). These figures cover all active NFIP policies in the county.
How many Brunswick properties have flooded repeatedly?
Glynn County has 158 properties with multiple flood losses on record, including 12 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Brunswick property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Brunswick?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Brunswick's Zone AE and Zone VE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.