Tornadoes and severe storms pose a threat to property and safety across Georgia, particularly in Dixie Alley. Inland flooding from hurricanes, as seen with Helene, has expanded risk zones, affecting areas previously considered safe. Homeowners face rising insurance costs, with premiums increasing by 39.7% over five years. Coastal areas like Savannah experience higher costs due to hurricane exposure, with premiums 1.5 times higher than inland cities like Atlanta. Flooding remains a critical risk, as standard policies exclude flood coverage.