Natural hazards · St. Augustine South

St. Augustine South, FL natural hazards

Most of the natural-hazard damage FEMA expects in St. Augustine South comes from hurricanes, and overall the risk is low for a U.S. community. Flood insurance has paid 53 claims here since 1981. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is St. Augustine South?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Augustine South to be higher than in 26% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes36%Inland flooding33%Tornadoes13%Coastal flooding9%Everything else9%

By hazard

What St. Augustine South faces

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

Hurricanes

36% of expected damage

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

Recorded about once every 4 years in the area

Inland flooding

33% of expected damage

Well below average · higher than 6% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

13% of expected damage

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

Coastal flooding

9% of expected damage

Well above average · higher than 97% of U.S. places

Lower here

HailCold 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 South flood?

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

53paid claims since 1981

$1.1Mpaid to owners

0homes flooded more than once

19812026

Biggest named events

Hurricane Matthew: 12 claims, $530K
Hurricane Irma: 9 claims, $217K
Hurricane Jeanne: 2 claims, $6K

of all homes
are insured

No community discount. St. Augustine South isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: St. Johns County.

Disasters that hit St. Augustine South

1 federal disaster brought FEMA money here

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

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

2017

Hurricane Irma

1 household applied for aid

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

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 South covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to St. Augustine South’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to St. Augustine South. 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 South total about $1.4M 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.