Citi doesn't have time to look at your particular situation. They probably do it on a state basis, not a county or city basis, so if an emergency was declared somewhere in Georgia (say, somewhere along the Atlantic coast for storm surge), that could enough for Citi to put such a note on all Georgia accounts.

I don't know how exactly it was worded (you might have to look at the actual TU report, in case Credit Karma did reformatting), but I presume the meaning was that you might have been affected by a natural disaster, rather than that you were affected by a natural disaster. In any case, lots of things on credit reports have long been shorthand (not fully spelled out).