The Toccoa runs the wrong way. Georgia rivers are supposed to head for the Atlantic or the Gulf, and this one starts at about 2,120 feet in Union County, where Canada Creek and Mauldin Creek meet, and then works north-west across Fannin County towards Tennessee. Fifty-six miles later it reaches the twin towns of McCaysville and Copperhill, crosses the state line in the middle of them, and changes its name to the Ocoee. Another thirty-seven miles and it joins the Hiwassee in Polk County, Tennessee, on its way to the Tennessee River and eventually the Gulf by a very long route.
That is one river on a map. On the ground it is three, and confusing them is the most common planning mistake visitors make here.
The upper Toccoa, above Lake Blue Ridge, is a free-flowing mountain river. Shallow, rocky, warm enough to sit in by July, gentle enough to float with a five-year-old on an inner tube. This is the stretch the Benton MacKaye Trail crosses on a cable footbridge, and the stretch where the outfitters put their tubes in.
The lake is the middle third: the same water, impounded behind a 167-foot dam that came into service in 1931 and has belonged to the Tennessee Valley Authority since 1939. Deep, cold below the surface, boat country.
The tailwater below the dam is a different river again, and it is the one that catches people out. What comes out of the base of that dam is water drawn from deep in the lake, which means it is cold in August and stays cold, and it arrives in surges when the turbines run rather than at a steady level. It is a first-class trout fishery precisely because of that. It is also not a river to wade into casually, because the level can come up under you while you are standing in it.
Everything else on this page follows from those three characters. Where you can reach the water, what each stretch is good for, why the railway runs alongside one of them, and why a river town straddling a state line ended up with a painted line down the middle of its pavement.