Is Gilmer County in a flood zone?

Most of Gilmer County (about 96.2%) is designated FEMA Flood Zone X, meaning minimal flood hazard — outside the 500-year floodplain. Flood insurance is generally not required by federal lenders for Zone X properties. Some river corridor areas along the Ellijay River and Coosawattee River carry Zone AE (Special Flood Hazard Area) designations, where flood insurance is mandatory with federally-backed mortgages. Source: FEMA National Flood Hazard Layer (NFHL).

How much is flood insurance in Gilmer County?

Because most of Gilmer County is FEMA Zone X (minimal flood risk), the average annual flood insurance premium through the National Flood Insurance Program (NFIP) is approximately $780/year — below the national average of $899/year. Properties in Zone AE floodplain corridors along the Ellijay River and Coosawattee River may pay significantly more. Source: FEMA NFIP, 2024 data.

Gilmer County, Georgia

FY 2025 Budget Dashboard — Population: 32,347 · Data from public CAFR/budget documents

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FY 2025 expense allocation by department

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Relocation Intelligence

School District Overview

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Graduation Rate

GA avg: 84.1%

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Student:Teacher

National avg: 16:1

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Per-Pupil Spending

GA avg: $11,720

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Total Students

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Standardized Test Scores

Percentage of students meeting or exceeding proficiency standards (dashed line = state average)

Schools in Gilmer County

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Safety & Crime Statistics

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Incidents per 1,000 residents vs. national average

5-Year Crime Trend

Total crime rate per 1,000 residents, 2020–2024

🔴 Violent Crime Breakdown

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Flood Zone Risk

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Predominant Zone

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Flood Insurance Overview

National Flood Insurance Program (NFIP) average annual premiums for this zone type

Understanding Your Flood Zone

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🗺️ FEMA Flood Map Service Center

Look up the official flood zone for any specific address in this county

View FEMA Flood Map →

Data source: FEMA National Flood Hazard Layer (NFHL) via Georgia DFIRM Program. Zone designations and insurance premiums are county-level averages; individual property risk may vary. Always verify flood zone status with FEMA's Flood Map Service Center before purchasing property.

County Comparison

Gilmer vs. Neighboring Counties

Side-by-side comparison on key metrics that matter to homebuyers and families

County	Population	Median Home	Tax Rate	Grad Rate	Student:Teacher	Violent Crime	Property Crime	Safety Score
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