Natural hazards · St. Augustine Beach

St. Augustine Beach, FL natural hazards

Most of the natural-hazard damage FEMA expects in St. Augustine Beach comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 161 claims here since 1979. 11 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is St. Augustine Beach?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Augustine Beach to be higher than in 25% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding40%Hurricanes36%Tornadoes15%Everything else9%

By hazard

What St. Augustine Beach faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

40% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

36% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 4 years in the area

Tornadoes

15% of expected damage

Above average · higher than 58% of U.S. places

Lower here

Coastal floodingHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does St. Augustine Beach flood?

Every paid claim on a federal flood insurance policy in St. Augustine Beach, from FEMA’s records.

161paid claims since 1979

$4.6Mpaid to owners

14homes flooded more than once

19792026

Biggest named events

Hurricane Matthew: 58 claims, $1.9M
Hurricane Floyd: 15 claims, $909K
Hurricane Irma: 11 claims, $253K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times

of all homes
are insured

🏷️ 10% off flood insurance. St. Augustine Beach is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: St. Johns County.

Disasters that hit St. Augustine Beach

11 federal disasters brought FEMA money here

Disasters the President declared that paid out in St. Augustine Beach itself: aid to households, or repair grants to the City of St. Augustine Beach.

Brought FEMA money into St. Augustine BeachDeclared for St. Johns County only

2024

Hurricane Milton

3 households applied for aid $159K to the City of St. Augustine Beach for repairs

2022

Hurricane Nicole

3 households applied for aid $1K aid approved

2022

Hurricane Ian

4 households applied for aid $14K aid approved $94K to the City of St. Augustine Beach for repairs

2019

Hurricane Dorian

$46K to the City of St. Augustine Beach for repairs

2017

Hurricane Irma

41 households applied for aid $10K aid approved $299K to the City of St. Augustine Beach for repairs

2016

Hurricane Matthew

32 households applied for aid $74K aid approved $172K to the City of St. Augustine Beach for repairs

2008

Tropical Storm Fay

$19K to the City of St. Augustine Beach for repairs

2004

Hurricane Frances

$65K to the City of St. Augustine Beach for repairs

2004

Tropical Storm Bonnie and Hurricane Charley

$6K to the City of St. Augustine Beach for repairs

2001

Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle

$38K to the City of St. Augustine Beach for repairs

1999

Hurricane Floyd Major Disaster Declarations

$127K to the City of St. Augustine Beach for repairs

St. Johns County has had 25 natural disasters declared since 1953, most often hurricanes and severe storms.

Around St. Augustine Beach

St. Augustine Beach and the towns around it

Very lowLowModerateHighVery high

Butler Beachmostly inland floodingModerate

St. Augustinemostly inland floodingModerate

St. Augustine Beachmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. St. Augustine Beach covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to St. Augustine Beach’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Augustine Beach. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across St. Augustine Beach total about $1.2M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.