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Natural hazards · St. Augustine

St. Augustine, FL natural hazards

Most of the natural-hazard damage FEMA expects in St. Augustine comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 2,333 claims here since 1981. 13 federal disasters brought FEMA money into town.

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

How exposed is St. Augustine?

43
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in St. Augustine to be higher than in 43% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding30%Hurricanes28%Coastal flooding26%Tornadoes10%Everything else7%
By hazard

What St. Augustine faces

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

Inland flooding

30% of expected damage
Well below average · higher than 10% of U.S. places
Recorded about 2 times a year in the area

Hurricanes

28% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about once every 4 years in the area

Coastal flooding

26% of expected damage
Well above average · among the top 1% of U.S. places

Tornadoes

10% of expected damage
Above average · higher than 58% 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 flood?

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

2,333paid claims since 1981
$106Mpaid to owners
577homes flooded more than once
19812026

Biggest named events

  • Hurricane Matthew: 1,109 claims, $62.2M
  • Hurricane Irma: 594 claims, $23.5M
  • Hurricane Ian: 308 claims, $15.2M

Homes that flooded again and again

Each house = 10 homes. ■ FEMA “severe repetitive loss” (90) ■ flooded 2+ times

of all homes
are insured
🏷️ 30% off flood insurance. St. Augustine is in FEMA’s Community Rating System (class 4) for its flood-proofing work.
Insurance rates: St. Johns County.

What’s been done with FEMA grants

9buildings retrofitted against wind
4homes raised above flood level
1storm safe rooms built
1buildings floodproofed
Disasters that hit St. Augustine

13 federal disasters brought FEMA money here

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

Brought FEMA money into St. AugustineDeclared for St. Johns County only
2024

Hurricane Milton

1,232 households applied for aid $1.1M aid approved $4.0M to the City of St. Augustine for repairs
2022

Hurricane Nicole

406 households applied for aid $320K aid approved $2.4M to the City of St. Augustine for repairs
2022

Hurricane Ian

3,269 households applied for aid $2.0M aid approved $2.4M to the City of St. Augustine for repairs
2019

Hurricane Dorian

$296K to the City of St. Augustine for repairs
2017

Hurricane Irma

8,500 households applied for aid $4.1M aid approved $4.6M to the City of St. Augustine for repairs
2016

Hurricane Matthew

4,469 households applied for aid $8.3M aid approved $12.1M to the City of St. Augustine for repairs
2008

Tropical Storm Fay

$91K to the City of St. Augustine for repairs
2004

Hurricane Jeanne

991 households applied for aid $933K aid approved $35K to the City of St. Augustine for repairs
2004

Hurricane Ivan

60 households applied for aid $15K aid approved
2004

Hurricane Frances

2,459 households applied for aid $1.5M aid approved $367K to the City of St. Augustine for repairs
2004

Tropical Storm Bonnie and Hurricane Charley

198 households applied for aid $131K aid approved $21K to the City of St. Augustine for repairs
2001

Severe Storms, Tornadoes and Flooding Associated With Tropical Storm Gabrielle

$181K to the City of St. Augustine for repairs
1999

Hurricane Floyd Major Disaster Declarations

$491K to the City of St. Augustine for repairs
St. Johns County has had 25 natural disasters declared since 1953, most often hurricanes and severe storms.
Around St. Augustine

St. Augustine and the towns around it

St. Augustine South: Low, mostly hurricanesSt. Augustine Beach: Low, mostly inland floodingButler Beach: Moderate, mostly inland floodingSt. Augustine: Moderate, mostly inland flooding St. AugustineSt. Augustine SouthSt. Augustine Beach
Very lowLowModerateHighVery high
St. Augustinemostly inland floodingModerate
St. Augustine Southmostly hurricanesLow
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 covers 4 census tracts, combined by population.
Money that reached townFlood claims are matched to St. Augustine’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of St. Augustine. 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 total about $4.6M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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