How widespread is flood risk across Georgia?

Flood is the most underinsured risk in Georgia. Standard homeowners, renters, and landlord policies exclude flood with no exceptions. Georgia has significant flood exposure beyond just coastal Savannah and Tybee: Chattahoochee River floodplain properties, properties near Yellow River and Apalachee River in Gwinnett County, lake-adjacent properties near Lake Lanier and Lake Allatoona, and properties in low-lying North Atlanta neighborhoods that flooded during recent severe weather events despite Zone X designations. We check the specific address flood zone before recommending whether to carry flood coverage.